Under normal circumstances, it is difficult to grant earthquake insurance to investment properties that are not rental housing, such as offices and retail buildings. For example, if only the first and second floors are offices/shops, and the rest of the building is rented housing, it would be possible to grant earthquake insurance as a set policy with fire insurance.
If you are investing in real estate in Japan, where earthquakes occur frequently, granting earthquake insurance as a set contract with fire insurance is a necessary expense for risk management.
However, the amount of insurance approved for repair costs depends on various conditions, such as the percentage of damage.