Does USAA Homeowners Insurance Cover Earthquakes? 
Jim is right . You have to buy the coverage as an add-on to your current policy . If you are eligible to buy from USAA , contact them and tell them you want to add earthquake coverage to your policy . Or if you are signed up to their mobile platform , you can add the coverage to your policy yourself . Unless you live in a high earthquake zone , the premium will be very reasonable . 