An insured who needs earthquake coverage can obtain it through which of the following?

An insured requiring earthquake coverage can secure it through either a separate Earthquake policy or by adding an endorsement to their Homeowner's policy. Earthquake coverage is typically not included in standard Homeowner's policies, which is why policyholders have to look for additional options to ensure they are protected against the specific risks associated with earthquakes.

A separate Earthquake policy provides tailored coverage specifically designed for the unique challenges and damages that may arise from seismic activity. Alternatively, some insurers offer endorsements that can be attached to existing Homeowner's policies to effectively extend coverage for earthquake-related damages. This flexibility allows policyholders to choose the coverage that best suits their needs and risks.

The other options do not provide a comprehensive means of obtaining earthquake coverage. Standard Homeowner's policies typically exclude this type of peril, and while standard policies may cover various risks, they generally do not include earthquake coverage by default. Furthermore, auto policies are designed to cover vehicles and do not offer protection against property damage resulting from earthquakes. Therefore, the correct pathway for acquiring earthquake coverage is indeed through a separate policy or an endorsement on the Homeowner's policy.