Japan is probably not a good comparison for home insurance because houses in Japan typically only have a 20 to 30 year lifespan. After that they are usually torn down and a new house is built.
Why would anyone tear down a 20 year old house? Where I live the houses are 80-100 years old and they’re better built and nicer to live in than most newer homes.
Its a country built on seismically active volcanoes.
If there's earthquake insurance in japan, it should be do-able.
"In and around Japan, one-tenth of earthquakes in the world occur. " https://geoscienceletters.springeropen.com/articles/10.1186/...