Earthquake, volcanic eruption, earth movement, mudslide, sink holes, erosion, subsistence, & landslide are excluded from coverage in your homeowners insurance policy, so there is no insurance for your home and contents if any of these events occur and damage your property.

You need to determine what risk these events pose to your home, and decide if you need to purchase extra coverage, considering the cost versus the risk.

Unfortunately, you have very few, if any options, for protecting your home from some types of earth movement, like sink holes, mudslides, erosion, subsistence, & landslides.

The best thing you can do is to own a home having no risk, or almost no risk, of these types of events damaging your house and contents. Buying a home on a flat lot, and not on or near a hill or body of water, goes a long way to reducing these risks.

It is hard to avoid the risk of earthquake in some states, like Washington, Oregon, & California. Even in states not known for earthquakes, there are many unknown faults, and there is the possibility of a new fault being discovered close to your home. In the last year, a fault inactive for over 100 years shook the Washington DC / Virginia area.

To limit the possibility of damage to your home from earthquake, buy a newer, frame-built home built to the current earthquake building codes, if they apply in your city.

Unreinforced masonry, brick veneer, and older homes are at risk of greater damage from an earthquake, and earthquake insurance on these types of homes can cost a lot more.

If you have an older home, you may need to retrofit the house for earthquake (bolt the frame to the foundation, strap down your water heater, etc.) to qualify for earthquake coverage, or get a lower rate.

Some insurance companies have less restrictive rules, and older homes may get earthquake coverage with no retrofitting requirement. Shop with all the leading insurance companies for the homeowners insurance company willing to offer you the insurance coverage you need at the best price.

Insurance coverage for earthquake and volcanic eruption can be added to your homeowners insurance, for an additional premium, if your insurance company offers it, or it can be purchased as a separate policy.

Damage to your home from a tsunami is covered by flood insurance, not by earthquake insurance, or your basic homeowners insurance.

Earthquake insurance is designed to cover you only for the substantial destruction of your home, and due to their large deductibles, you will not be covered for cracked foundations and minor damage. Even earthquake damage in the tens of thousands of dollars will most likely be under your deductible.

Most insurance companies offering earthquake coverage have a minimum deductible of 10%, though a few companies will go as low as 5%.
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If you are insured for $200,000 on your house, and have a 10% earthquake deductible, there would need to be more than $20,000 of damage to your home before the insurance will pay anything. You may have a separate deductible applying to damage to your contents.

You may want to see if you can supplement your coverage by seeking an additional earthquake insurance policy which will cover the cost of your earthquake deductible.

How damaging can an earthquake be to your house? This depends on how close you are to a fault, your soil quality — land fill, or soil with lots of moisture (if you are near water) is more susceptible to earthquake damage, the size and duration of the earthquake.

You can find out more information about your earth movement risks by reviewing the US Geological Survey website. This website has tools to determine the potential earthquake risk in your area. However, the website has a clear disclaimer it provides only general information, and should not be used to determine the risk of damage to a particular building.

After doing some basic research, you may want to hire a geologist to determine the earth movement risks to your property.

Your mortgage company will not require you to purchase earthquake insurance coverage, but if your home is destroyed by earthquake, you are still responsible for repaying the loan.

Without earthquake insurance coverage, you may have to file bankruptcy, lose all the money you invested in your home, experience foreclosure, and ruin your credit.

The government will not bail you out. The best you can hope for from the government is low cost loans to rebuild, and possibly some tax relief.

The risk of earthquake damage to your home in many areas of the USA is not remote, and although the risk in your area may be low, you have too much to lose by not having coverage.

Some major insurance companies no longer offer coverage for earthquake, because they are concerned with how much it can cost them if there is a large quake damaging many homes they insure.

If some insurance companies are concerned with how much they can lose by insuring earthquakes, don’t you think you should be concerned by what you have to lose by not having earthquake coverage?

Are you concerned with the risk of damage to your home by an earthquake? Tell me about it. Please leave a comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.