Earthquake Damage Usually Not Covered

Most property insurance policies exclude damage to buildings and personal property by the peril of earthquake or volcanic eruption.

Some policies add limited coverage back.  Even then coverage probably is restricted.

For example, most contain the following exclusion, “We will not pay for loss of or damage to exterior masonry veneer (except stucco) on wood frame walls caused by or resulting from Earthquake or Volcanic Eruption.”

Check your policy and talk with your insurance advisor.