*If you own an apartment in Japan, you can take out optional earthquake insurance. This insurance only covers your apartment and does not cover the common areas of the building or the structure itself. The management association for the building can take out earthquake insurance on the common areas, but as it turns out, less than a third of all buildings are covered.
Owners of apartments in uninsured buildings are facing great repair bills as a result of the March 11 Tohoku Earthquake.
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