Homeowners insurance typically does not cover excavation. Standard homeowners insurance policies generally exclude coverage for earth movement, including excavation. This exclusion means that if damage occurs to your property or home due to excavation work, it is unlikely to be covered by your standard policy. However, there may be exceptions or additional endorsements that can be added to a policy to cover specific types of earth movement or excavation-related incidents. It's essential to review your policy details or consult with your insurance provider to understand the specific coverages and exclusions that apply.