Earthquake insurance is a policy that pays out when damage occurs to a home due to earthquakes, tsunamis, volcanic eruptions, or others caused by them, that is not covered by standard fire insurance.
Therefore, if you only have fire insurance and no earthquake insurance, you will not receive any payout even if your home is damaged by a fire caused by an earthquake.

Earthquake insurance is a highly public insurance jointly operated by the government and insurance companies.
Before considering enrollment or coverage limits, please confirm the following differences from standard fire insurance:

1. Only residential buildings and household contents are covered.
2. It covers damage caused by earthquakes, tsunamis, and volcanic eruptions, which are excluded from fire insurance coverage.
3. It must be purchased together with fire insurance.
4. The maximum earthquake insurance amount is 50% of the fire insurance amount (*)
(*) Because the purpose is to restore basic living conditions, not full recovery
(*) Another fixed maximum limits also apply to buildings and household contents respectively
5. Premiums are determined based on regional earthquake risk and are the same regardless of the insurance company
6. When a claim is filed, a specialist surveyor visits and classifies the damage to the residence as “total loss,” “major loss,” “minor loss,” or “partial loss.” The insurance payment is then calculated by applying the percentage corresponding to the classification to the set amount.
7. The Japanese government reinsures the insurance liability, but there is a total payment limit. Depending on the scale and frequency of earthquakes, payments may not be made as stipulated in the insurance contract.