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The primary purpose of a stand-alone earthquake insurance policy is to provide coverage specifically for damages resulting from earthquakes. Earthquake insurance is designed to address the unique risks associated with seismic activity, which is not typically covered by standard homeowners or property insurance policies. This specialized coverage helps policyholders protect their property against the financial impact of earthquake-related damages, such as structural damage to buildings, personal property loss, and additional living expenses incurred during repairs.

Unlike other types of coverage, such as flood insurance or fire coverage, which address different natural disasters or hazards, a stand-alone earthquake policy is tailored especially for the consequences of earthquakes, ensuring that individuals have the means to recover from such specific events.