The purpose of this report is to examine issues and problems associated with the availability and procurement of earthquake insurance from points of view of both consumers and providers. The discussion outlines the provisions of earthquake insurance policies currently available to homeowners, businesses, local governments and special districts. It examines the extent to which earthquake insurance is purchased or why it may be unattractive to consumers. The Federal role in providing or promoting earthquake insurance is reviewed. Finally, policies are recommended for the Federal Government and others in order to develop a more adequate system of coverage.