What type of insurance policy covers gaps in flood and earthquake coverage?

Difference in conditions insurance is specifically designed to cover risks that are not included in standard property insurance policies, particularly when it comes to natural disasters such as flooding and earthquakes. These types of disasters often require separate coverage because general policies may exclude them.

By providing coverage for gaps that traditional property insurance does not address, difference in conditions insurance allows policyholders to protect themselves against significant financial loss from events that can lead to extensive property damage without duplicate coverage. This makes it especially valuable for businesses and property owners who want comprehensive protection against all potential risks related to their assets.

The other types of insurance listed do not serve this specific purpose. Comprehensive insurance, for example, generally refers to a broader type of coverage for vehicles and does not address property risks associated with floods and earthquakes. Business interruption insurance covers loss of income due to disruption of business operations but does not expand coverage for physical damages. General liability insurance protects against claims of bodily injury or property damage from third parties but does not specifically address gaps in property coverage related to natural disasters. Thus, difference in conditions insurance is the appropriate choice for covering these specific risks.