Papyrus Press Advance Researches in Civil Engineering 2645-7229 6 4 2024 12 01 Seismic Insurance Regulations: A Review in Several Seismic-Prone Countries 60 70 250673 10.30469/arce.2026.587625.1094 EN Sasan Motaghed Faculty of Engineering, Behbahan Khatam Alanbia University of Technology, Behbahan, Iran Mozhgan Khazaee Department of Civil Engineering, Faculty of Engineering, Behbahan Khatam Alanbia University of Technology, Behbahan, Iran Journal Article 2026 06 19 Earthquakes cause severe economic losses worldwide, yet earthquake insurance penetration remains low in many seismic-prone regions. This paper provides a comparative review of earthquake insurance regulations in eight selected countries: Japan, New Zealand, Turkey, the United States (California), France, Spain, Chile, and Taiwan. The study examines legal frameworks, institutional structures, mandatory/voluntary nature, pricing mechanisms, government roles, and post-earthquake performance. Results show that no single model is perfect. Japan and Turkey have successfully implemented mandatory systems with government backing, while New Zealand offers an integrated public-private model. The United States (California) struggles with low take-up rates despite high risk. France and Spain utilize solidarity-based state reinsurance mechanisms. Chile achieves high penetration voluntarily due to strict building codes. Taiwan follows a Japanese-style mandatory fund. Common challenges include inadequate coverage, delayed claims, and public reluctance. The paper concludes with policy recommendations for earthquake-vulnerable countries, including Iran. https://www.arce.ir/article_250673_7e07e6bb0d7694702ea35e0b9aa2d8f6.pdf