You can purchase the ordinance or law coverage which ensures you get help in paying for the tearing down and rebuilding of the structure should the need arise. For earthquakes, there is a totally different type of special insurance that allows coverage but you need a commercial property earthquake endorsement form government agencies to avail of the additional coverage. Like most types of insurance, there is a certain amount that has to be shouldered by the insured before the insurance covers the exceeding exceptions. If you want to save a bit but still get the necessary disaster coverage, try to negotiate a higher deductible rate so your insurance cover is less, less premiums.