Earthquake coverage is not covered on your apartment building or home insurance policies. It is purchased on its own policy or in few cases, by endorsement.
It is difficult to predict when and earthquake will occur or how much damage will result from the earthquake or after shocks.
The cost of earthquake coverage can be costly. Rates are based on the earthquake zone you are located in, the age of the building, if it has been retrofitted for earthquake.
You likely have a large financial investment in your property. Waiting for something to happen may be too late, even if you do not sustain damage to your building , the markets will likely put a freeze on new business or even pull out of the marketplace all together.
If you are located in an earthquake zone, protecting your asset with earthquake coverage is highly recommended.