Is earthquake damage covered by your homeowners insurance?
Last updated: January 1
Your homeowners insurance typically protects your dwelling and other structures and contents from damages due to fire, smoke, lightning, hail, theft and other exposures as described in your policy. Earthquake damage, however, is typically excluded from homeowners insurance policies.
In most homeowners policies, earth movement is an excluded type of loss for both dwelling/structures and personal property. To obtain earthquake-specific protection for your property and belongings, you will likely need to purchase a separate earthquake insurance policy.