Almost all property insurance policies exclude earthquake. Coverage is available almost everywhere in the US – either through standard or specialty insurers.
What is not commonly discussed is that the earthquake exclusion is broader than just earthquakes.
The following are excluded in the same breath:
landslide,
mudflow,
sinkhole,
mine subsidence
land shock waves before, during or after a volcanic eruption,
and any other earth movement including shifting, rising, or sinking.
These exclusions are in commercial policies and in personal insurance policies.
Class dismissed.
