Define 'earthquake insurance'.

Earthquake insurance is specifically designed to cover damages that result from earthquakes. This form of coverage is tailored to address the unique risks associated with seismic activity, providing financial protection for homeowners and businesses in the event that an earthquake causes structural damage to property or personal belongings.

Unlike general policies for natural disasters, which may cover a wide range of events, earthquake insurance focuses solely on the impacts of earthquakes. It may include coverage for the building itself as well as personal property within it, helping policyholders recover from the costs associated with repairs or replacement after an earthquake incident. This specialized nature ensures that individuals in earthquake-prone areas are adequately protected against this specific risk.