Does Homeowners Insurance Cover Basement Walls? 
The short answer is it depends . A typical Howeowners policy will not cover basement walls/foundation for normal wear and tear . However , if a named peril occurs for which you have coverage , then you can make a claim against your insurance company . For example , if you have an earthquake endorsement on your policy and one occurs , that will trigger coverage for your basement walls . Acorollaryto this is seeking a basement wall/foundation endorsement on your policy . This will provide more elaborate coverage for your basement walls/foundation regardless of a named peril . 