Describing Problem:In this article reasons for not growth of insurance in order to identify impediments for development of this kind of insurance coverage is investigated. Research Method:Research method is descriptive-survey from kind of field method. Sampling method is simple random sampling and by using questionnaire for 400 sample volume that after gathering information the data of research is described and analyzed by using SPSS software system. Case study is possible earthquake of Tehran. Results & Findings:In this article it is showed that logical solution for compensating life and financial loss result from possible earthquake of Tehran is Earthquake Insurance and developing it. Based of results of findings the main effective factors for development of earthquake insurance are: * Low income level of families, * Not accepting insurance as a necessity of life, * Not familiarity and not having enough information of earthquake insurance policy, * Negative thought of people for negative background of branches of insurance companies for paying recompense