I don't know about other insurers, but USAA's renter's insurance covers earthquakes. Also, I just got a quote from Lemonade and they have an option to add earth

I don't know about other insurers, but USAA's renter's insurance covers earthquakes. Also, I just got a quote from Lemonade and they have an option to add earthquake coverage via a third party. I think the difference is that renter's insurance isn't covering damage to the building. They're only covering damage to your stuff if it gets buried underneath the building.