{"id":2376,"date":"2026-09-09T14:07:40","date_gmt":"2026-09-09T10:37:40","guid":{"rendered":"https:\/\/bima24.com\/?p=2376"},"modified":"2026-09-21T23:44:05","modified_gmt":"2026-09-21T20:14:05","slug":"fire-vs-earthquake-insurance","status":"publish","type":"post","link":"https:\/\/bima24.com\/en\/blog\/fire-vs-earthquake-insurance\/","title":{"rendered":"Fire Insurance vs Earthquake Insurance: What Is the Difference?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Fire insurance and earthquake insurance are not necessarily two completely separate insurance policies in the Iranian market.<\/strong> Basic fire insurance generally covers fire, explosion, and lightning, while earthquake is usually treated as an additional or supplementary risk that must be specifically selected and included in the policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In simple terms, what people commonly call \u201cearthquake insurance\u201d is often <strong>earthquake coverage added to a fire insurance policy<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This means that simply having fire insurance does not automatically mean your home is insured against earthquake damage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The exact terms, deductible, sum insured, coverage limit, and exclusions may vary between insurers and policies, so the wording of the actual insurance contract should always be reviewed carefully.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Fire Insurance vs Earthquake Insurance at a Glance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The most important difference is the <strong>type of risk covered<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Basic fire insurance is designed to protect insured property against specific core risks, generally including fire, explosion, and lightning.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Earthquake, on the other hand, is commonly classified as an additional risk that can be added to the fire insurance policy.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th>Topic<\/th><th>Basic Fire Insurance<\/th><th>Earthquake Coverage<\/th><\/tr><tr><td>Coverage type<\/td><td>Core coverage<\/td><td>Usually additional coverage<\/td><\/tr><tr><td>Main risk<\/td><td>Fire, explosion, lightning<\/td><td>Earthquake-related damage<\/td><\/tr><tr><td>Separate selection required<\/td><td>Usually no for core risks<\/td><td>Usually yes<\/td><\/tr><tr><td>Building<\/td><td>If the building is insured<\/td><td>If earthquake cover applies to the building<\/td><\/tr><tr><td>Contents<\/td><td>If contents are insured<\/td><td>If earthquake cover applies to contents<\/td><\/tr><tr><td>Deductible<\/td><td>Based on policy terms<\/td><td>May have separate conditions<\/td><\/tr><tr><td>Premium<\/td><td>Based on insured value and risk<\/td><td>Usually added to the base premium<\/td><\/tr><tr><td>Exact conditions<\/td><td>Defined in the policy<\/td><td>Depends on insurer and earthquake clause<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">What Does Fire Insurance Cover?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Main Fire Insurance Risks<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The core risks commonly associated with fire insurance are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>fire<\/li>\n\n\n\n<li>explosion<\/li>\n\n\n\n<li>lightning<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Fire insurance is primarily a form of <strong>property insurance<\/strong>. Its purpose is to compensate for financial loss to property specifically listed and insured under the policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For a residential property, the insured property may include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the building only<\/li>\n\n\n\n<li>household contents only<\/li>\n\n\n\n<li>or both the building and contents<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The exact scope depends on what has been declared and accepted as insured property.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Why Earthquake Is Usually Not Part of Basic Fire Cover<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Earthquake is generally treated as an additional risk rather than part of the standard fire insurance coverage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This means the policyholder usually needs to specifically select earthquake protection and ensure that it appears in the policy schedule, special conditions, or endorsements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, saying:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cI have fire insurance\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">is not enough to conclude that earthquake damage is also insured.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The more useful question is:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u201cIs earthquake risk specifically included in my policy?\u201d<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Does \u201cEarthquake Insurance\u201d Mean in Iran?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In the Iranian insurance market, the term \u201cearthquake insurance\u201d often refers to <strong>earthquake coverage added to a fire insurance policy<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For this reason, it is better not to rely only on the name of the insurance product.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Instead, review the actual list of insured risks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Look for wording related to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>earthquake<\/li>\n\n\n\n<li>earthquake and volcanic activity<\/li>\n\n\n\n<li>supplementary natural disaster coverage<\/li>\n\n\n\n<li>relevant endorsements or clauses<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The exact terminology can vary between insurers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This distinction is important because many policyholders assume that \u201chome fire insurance\u201d automatically protects them against all major natural disasters.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That assumption can lead to problems when a claim occurs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Does Fire Insurance Automatically Cover Earthquake Damage?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Not necessarily.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If a policy only includes the main fire insurance risks\u2014such as fire, explosion, and lightning\u2014you should not assume that direct earthquake damage is covered.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Earthquake coverage normally needs to be specifically included.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In addition, when one event triggers another\u2014for example, an earthquake followed by a fire\u2014the claim cannot always be assessed simply by looking at the name of the event.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Factors such as the cause of loss, the policy wording, the selected earthquake clause, exclusions, and the insurer\u2019s claim assessment may all affect coverage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is why the insurance contract itself remains the main reference when determining whether a specific loss is covered.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Property Can Earthquake Coverage Protect?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Earthquake coverage does not automatically apply to everything inside or around a home.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You must first determine <strong>what property has been insured<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The Building<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If the building and its fixed installations are listed as insured property and earthquake coverage has been selected for them, eligible earthquake-related damage may be assessed under the terms of the policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For building insurance, the insured value is generally linked to the value of the insured structure and rebuilding cost rather than the total market value of the property.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This distinction matters because the market price of a home may include the value of the land, which is not the same as the rebuilding value of the insured structure.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Household Contents<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Household contents may also be insured separately or together with the building.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, the contents must generally be included in the insured property and declared within the insured amount.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, if a policy covers only the building, you should not assume that furniture, appliances, and personal belongings are automatically protected simply because earthquake coverage has been added.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To understand your protection, ask three separate questions:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Is earthquake coverage included?<\/li>\n\n\n\n<li>Is the building insured, the contents, or both?<\/li>\n\n\n\n<li>What insured value has been assigned to each category?<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/bima24.com\/wp-content\/uploads\/2026\/09\/ChatGPT-Image-Sep-9-2026-01_53_13-PM-3-1024x683.webp\" alt=\"Checking earthquake coverage in a home fire insurance policy\" class=\"wp-image-2167\" srcset=\"https:\/\/bima24.com\/wp-content\/uploads\/2026\/09\/ChatGPT-Image-Sep-9-2026-01_53_13-PM-3-1024x683.webp 1024w, https:\/\/bima24.com\/wp-content\/uploads\/2026\/09\/ChatGPT-Image-Sep-9-2026-01_53_13-PM-3-300x200.webp 300w, https:\/\/bima24.com\/wp-content\/uploads\/2026\/09\/ChatGPT-Image-Sep-9-2026-01_53_13-PM-3-768x512.webp 768w, https:\/\/bima24.com\/wp-content\/uploads\/2026\/09\/ChatGPT-Image-Sep-9-2026-01_53_13-PM-3-600x400.webp 600w, https:\/\/bima24.com\/wp-content\/uploads\/2026\/09\/ChatGPT-Image-Sep-9-2026-01_53_13-PM-3.webp 1536w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Practical Examples of How the Coverage Differs<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Scenario 1: A Kitchen Fire<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A covered fire damages part of the kitchen, walls, and household appliances.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the building and contents are properly insured under a fire insurance policy, the eligible damage may be assessed under the main fire coverage, subject to policy terms, limits, and exclusions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Earthquake coverage is not relevant in this scenario.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Scenario 2: Wall Cracks and Structural Damage After an Earthquake<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A homeowner has basic fire insurance but did not add earthquake coverage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">An earthquake causes cracks in the walls and structural damage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this case, the policyholder should not assume that the damage will be covered simply because a fire insurance policy exists.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The earthquake risk must generally be included in the policy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Scenario 3: Earthquake Coverage Exists, but Only the Building Is Insured<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">An earthquake damages both the building and household belongings.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The policy includes earthquake protection, but only the building is listed as insured property.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this situation, earthquake coverage does not necessarily mean both types of loss are covered.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The status of the household contents may be different from the building.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Scenario 4: The Building Is Significantly Underinsured<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Earthquake coverage has been selected, but the insured value of the building is much lower than the actual rebuilding cost.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Even though earthquake coverage exists, the declared sum insured still matters.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Underinsurance may affect the amount payable in a claim, depending on the policy conditions and applicable insurance rules.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selecting the right coverage is therefore only one part of the process.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The insured value must also be appropriate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Earthquake Coverage vs Iran\u2019s Basic Natural Disaster Building Insurance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There is another important distinction in Iran.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Under the framework of Iran\u2019s Natural Disaster Insurance Fund, a basic natural disaster insurance mechanism exists for eligible residential buildings.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Earthquake is among the natural disasters addressed within this system.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The purpose of this mechanism is to provide <strong>basic financial compensation for part of the damage<\/strong> to eligible residential buildings.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This should not be confused with earthquake coverage voluntarily added to a commercial fire insurance policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These are different insurance mechanisms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In practical terms, users should distinguish between:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>basic fire insurance<\/li>\n\n\n\n<li>optional earthquake coverage added to fire insurance<\/li>\n\n\n\n<li>basic natural disaster building insurance<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">They may differ in structure, coverage, funding, limits, and claims processes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This distinction becomes especially important when the value of the building or household contents is significantly higher than the protection provided by a basic scheme.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Should You Check Before Adding Earthquake Coverage?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Insured Property<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">First, determine exactly what you want to insure:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the building<\/li>\n\n\n\n<li>fixed installations<\/li>\n\n\n\n<li>household contents<\/li>\n\n\n\n<li>or a combination of these<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A policy should clearly identify the insured property.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Sum Insured<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Having earthquake coverage is not enough on its own.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The insured amount should also reasonably reflect the value of the insured property.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For buildings, the sales price of the property is not necessarily the correct figure to use because it may include the land value.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For household contents, it is useful to consider the approximate replacement value of furniture, appliances, and other insured belongings.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Deductible<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A <strong>deductible<\/strong> is the portion of an eligible loss that remains the responsibility of the policyholder under the policy terms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Additional risks such as earthquake may have their own deductible structure.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You should therefore check the deductible stated in the actual insurance contract rather than relying on a general percentage or assumption.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Coverage Limit<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Review the maximum amount the insurer is responsible for paying.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some policies may include separate limits for specific types of property or additional risks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The exact amount should be confirmed from the policy schedule and special conditions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Exclusions and Special Conditions<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Not every loss occurring during or after an earthquake is automatically covered.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Coverage may depend on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>how the damage occurred<\/li>\n\n\n\n<li>whether the damaged property was insured<\/li>\n\n\n\n<li>exclusions<\/li>\n\n\n\n<li>coverage limits<\/li>\n\n\n\n<li>deductibles<\/li>\n\n\n\n<li>endorsements<\/li>\n\n\n\n<li>special policy conditions<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Because policy terms differ between insurers, general information should not replace a review of the actual insurance contract.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Can You Check Whether Your Current Policy Includes Earthquake Coverage?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Do not rely only on the policy title.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Review the sections covering:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>insured risks<\/li>\n\n\n\n<li>special conditions<\/li>\n\n\n\n<li>endorsements<\/li>\n\n\n\n<li>insured property<\/li>\n\n\n\n<li>insured values<\/li>\n\n\n\n<li>deductibles<\/li>\n\n\n\n<li>coverage limits<\/li>\n\n\n\n<li>exclusions<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Look for wording related to <strong>earthquake and volcanic activity<\/strong> or another equivalent term used by the insurer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Then ask:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Is earthquake explicitly listed?<\/li>\n\n\n\n<li>Does the coverage apply to the building?<\/li>\n\n\n\n<li>Does it apply to household contents?<\/li>\n\n\n\n<li>Are both included?<\/li>\n\n\n\n<li>What is the insured value of each?<\/li>\n\n\n\n<li>What deductible applies?<\/li>\n\n\n\n<li>Is there a separate earthquake coverage limit?<\/li>\n\n\n\n<li>Are there specific exclusions or clauses?<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">If any of these points are unclear, it is better to ask the insurer or an insurance advisor before a loss occurs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For a broader explanation of how residential buildings, installations, and household contents can be insured against different risks, you can also review Bima24\u2019s <strong><a href=\"https:\/\/bima24.com\/en\/services\/household-insurance-in-iran\/\" data-type=\"link\" data-id=\"https:\/\/bima24.com\/en\/services\/household-insurance-in-iran\/\">Home Insurance \/ Residential Property Insurance<\/a><\/strong> service page.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/bima24.com\/wp-content\/uploads\/2026\/09\/ChatGPT-Image-Sep-9-2026-01_53_13-PM-2-1024x683.webp\" alt=\"Difference between fire insurance, earthquake coverage, and basic natural disaster building insurance\" class=\"wp-image-2163\" srcset=\"https:\/\/bima24.com\/wp-content\/uploads\/2026\/09\/ChatGPT-Image-Sep-9-2026-01_53_13-PM-2-1024x683.webp 1024w, https:\/\/bima24.com\/wp-content\/uploads\/2026\/09\/ChatGPT-Image-Sep-9-2026-01_53_13-PM-2-300x200.webp 300w, https:\/\/bima24.com\/wp-content\/uploads\/2026\/09\/ChatGPT-Image-Sep-9-2026-01_53_13-PM-2-768x512.webp 768w, https:\/\/bima24.com\/wp-content\/uploads\/2026\/09\/ChatGPT-Image-Sep-9-2026-01_53_13-PM-2-600x400.webp 600w, https:\/\/bima24.com\/wp-content\/uploads\/2026\/09\/ChatGPT-Image-Sep-9-2026-01_53_13-PM-2.webp 1536w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion: Fire and Earthquake Are Different Risks Within the Same Insurance Structure<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The main difference between fire insurance and earthquake insurance is that <strong>fire, explosion, and lightning are generally core fire insurance risks, while earthquake is usually an additional risk added to the same policy<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, having basic fire insurance does not automatically mean your home is protected against earthquake damage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A proper review should consider more than the name of the coverage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You should also check:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>what property is insured<\/li>\n\n\n\n<li>the insured value<\/li>\n\n\n\n<li>the deductible<\/li>\n\n\n\n<li>the coverage limit<\/li>\n\n\n\n<li>exclusions<\/li>\n\n\n\n<li>special policy conditions<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Because coverage terms may vary between insurance companies and policy types, the actual insurance contract should always be treated as the primary reference when determining whether a specific earthquake-related loss is covered.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1790021148409\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Does fire insurance cover earthquake damage?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Only if earthquake risk has been specifically included as an additional coverage. Basic fire insurance generally covers fire, explosion, and lightning.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1790021165377\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is earthquake insurance separate from fire insurance?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>In many Iranian insurance products, earthquake is offered as additional coverage under a fire insurance policy rather than as a completely separate policy.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1790021175213\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What does earthquake insurance for a home cover?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>It may cover eligible earthquake-related damage to insured property, subject to the insured amount, deductible, coverage limits, exclusions, and other policy conditions.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1790021185059\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How do I know if my policy includes earthquake coverage?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Check the insured risks, special conditions, and endorsements. Earthquake or earthquake and volcanic activity should be explicitly listed.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1790021198986\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Does earthquake coverage include household contents?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>It may, provided household contents are included as insured property and earthquake coverage applies to them.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1790021208665\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can tenants get earthquake coverage?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Tenants may insure their own household contents and personal property, depending on the insurer\u2019s product and conditions.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1790021217118\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is basic natural disaster building insurance the same as earthquake coverage?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No. Basic natural disaster building insurance is a separate insurance mechanism and should not be confused with optional earthquake coverage under commercial fire insurance.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1790021228529\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Does fire and earthquake insurance cover bodily injury?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Standard fire insurance for buildings and contents is primarily property insurance. Bodily injury normally requires separate or additional insurance coverage.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Fire insurance and earthquake insurance are not necessarily two completely separate insurance policies in the Iranian market. Basic fire insurance &#8230; <a class=\"cz_readmore\" href=\"https:\/\/bima24.com\/en\/blog\/fire-vs-earthquake-insurance\/\"><i class=\"fa fa-angle-left\" aria-hidden=\"true\"><\/i><span>Read More!<\/span><\/a><\/p>\n","protected":false},"author":3,"featured_media":2165,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2376","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1"],"_links":{"self":[{"href":"https:\/\/bima24.com\/en\/wp-json\/wp\/v2\/posts\/2376","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bima24.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bima24.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bima24.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/bima24.com\/en\/wp-json\/wp\/v2\/comments?post=2376"}],"version-history":[{"count":1,"href":"https:\/\/bima24.com\/en\/wp-json\/wp\/v2\/posts\/2376\/revisions"}],"predecessor-version":[{"id":2378,"href":"https:\/\/bima24.com\/en\/wp-json\/wp\/v2\/posts\/2376\/revisions\/2378"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bima24.com\/en\/wp-json\/wp\/v2\/media\/2165"}],"wp:attachment":[{"href":"https:\/\/bima24.com\/en\/wp-json\/wp\/v2\/media?parent=2376"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bima24.com\/en\/wp-json\/wp\/v2\/categories?post=2376"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bima24.com\/en\/wp-json\/wp\/v2\/tags?post=2376"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}