The following are the typical coverage included in earthquake insurance: Repairs to your house and also attached structures like a garage.
Your personal belongings, such as furniture and clothes.
Additional expenses, such as hotel bills if you can’t live in your home. The following are what earthquake insurance does not pay for: Fires caused by an earthquake. That’s already covered under your homeowners insurance.
Vehicle damage. Comprehensive auto insurance covers that.
You’ll need separate flood insurance, as the flood is a by-product of an earthquake.
Some states also require insurers to offer sinkhole insurance, or you can typically add it to your homeowners insurance or buy separate coverage.
Masonry used for your home’s veneer. Depending on your policy, coverage for other structures, such as a carport or tool shed, and debris removal may also come standard. You may also have optional coverage like building code upgrades, land restoration, and emergency repairs.