Earthquake coverage is typically handled through a separate endorsement to an existing policy, or a separate policy entirely.
Renters are also usually without earthquake protection unless they have supplemental coverage.
Auto insurance policies usually do cover earthquake damage, the state Insurance Commissioner's Office says. But even in earthquake-prone areas, most people apparently aren't willing to spend the extra money for such protection. Claudette Kenmir, personal business manager for Safeco Corp.'s Seattle region, said 8.5 percent of the company's policyholders in Washington have earthquake coverage. A spokesman for Pemco Financial Services said 16 percent of that company's Washington homeowner insurance customers carry the additional coverage. Even people who have opted to buy a policy may find coverage less than generous.