What type of policy can Patrick obtain to insure against earthquake coverage if it is not covered by his current policy?

A difference-in-conditions policy is specifically designed to fill the gaps in coverage that are not typically included in standard insurance policies, such as earthquake damage. These policies allow property owners like Patrick to protect themselves against specific perils that their existing homeowners or property insurance does not cover, including earthquakes.

This type of policy can be tailored to the insured's needs, providing coverage for risks that are excluded or limited in a standard policy. It is essential for property owners in regions where earthquakes are a risk to seek out this type of coverage if their primary policy has exclusions for earthquake damage.

While supplemental and named perils policies can provide additional coverage or specify certain types of risks, they do not adequately address the specific limitation that a difference-in-conditions policy targets. Open perils policies, on the other hand, cover all risks except those specifically excluded but may still not include coverage for natural disasters like earthquakes. Thus, the difference-in-conditions policy remains the best option for securing earthquake coverage.