Which type of policy would a homeowner most likely need for damage caused by an earthquake?

A homeowner would most likely need an Earthquake Insurance Policy to cover damage caused specifically by an earthquake. Standard homeowners insurance policies often do not include coverage for damage from earthquakes, as this is considered a separate risk. Earthquake Insurance is designed to protect homeowners from the financial burden associated with repairs and replacement of property and personal belongings damaged due to seismic activity.

In contrast, a Homeowners Insurance Policy typically covers common perils like fire, theft, or vandalism, but lacks specific coverage for earthquakes. Flood Insurance policies are focused on damage caused by flooding, which is unrelated to earthquakes. Renter's Insurance provides coverage for personal property in the event of theft or damage, but it does not extend to structural damage or specific perils like earthquakes in many cases. Therefore, for comprehensive coverage of damage caused by earthquakes, an Earthquake Insurance Policy is essential.