Does Home Insurance Cover Earthquake? 
Damages caused by the peril of earthquake under a homeowner policy are generally excluded from coverage . However coverage can be obtained in most States by purchasing either an endorsement to the homeowner policy for earthquake coverage or by acquiring a separate policy , specifically covering the peril of earthquake . Since some States and even regions within States are considerably more vulnerable to earthquakes , obviously the rates for this type of coverage varies widely . It can be expensive but your home is probably your most valuable personal investment . Consult with your local independent agencies for additional details to fit your particular situation and locality . . 