Is Erosion Covered By Homeowners Insurance? 
Unless you talked to your Insurance Professional and had coverage for damage caused by earth movement added to your policy , then it is unlikely that you would have any coverage for such a loss . There are two common exclusions that you would find in a homeowners ' policy and damage caused by any form of earth movement is one of them . Flood is also common exclusion , however , unlike earth movement protection which can be endorsed onto a homeowners policy in many cases , flood insurance is only available by purchasing a Flood Insurance Policy . 