Does USAA Homeowners Insurance Cover Earthquakes? 
Great question ! Most homeowners policies will not include earthquakes in the general body of coverage . Depending upon where you live , assuming that it is a valid concern for you , it will need to be purchased as a rider or separate policy . Floods are another example of the kinds of dangers that are not typically covered that require riders or separate policies . Call your agent to be certain in your specific policy 's case . Thanks for asking ! 