The short answer
Earth movement is excluded on all standard US homeowners policies. Cover comes from the California Earthquake Authority (CA), state-specific programs, or private endorsements with 10–25% deductibles. Fire following earthquake IS covered under the base policy.
Frequently asked
- Is the deductible really that high?
- Yes — typically 10–25% of dwelling limit, applied separately to structure, contents, and loss of use.
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