Earthquake Excluded & Other Stuff Is Too

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.