As damage figures roll in from the earthquake that struck Hawaii, edging into the hundred of millions, insurers will probably end up with little in the way of losses, according to industry reports.

Hawaii Insurance Commissioner Jeffrey P. Schmidt said there is little take-up in earthquake insurance in the state primarily because there are few earthquakes. He said the last major quake to hit the islands was in 1983. Lenders do not require the coverage for homes, so there is no market driver for the coverage.

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