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Earthquake Insurance: A Public Policy Dilemma (FEMA 68)

FEMAThis report examines issues and problems associated with the availability and procurement of earthquake insurance from the point of view of consumers and providers. The report outlines the provisions of earthquake insurance policies currently available to homeowners, businesses, local governments, and special districts. It examines the extent to which earthquake insurance is purchased and why it may be unattractive to consumers. The federal role in providing or promoting earthquake insurance is reviewed. Policies are recommended for the Federal Government and others to develop a more adequate system of coverage.