Is earthquake damage covered by insurance?

Homeowners insurance does not generally cover earthquake damage, so you’ll need a separate earthquake insurance policy.

What’s typically covered by earthquake insurance:
The dwelling (house).
Other structures.
Personal property.
Loss of use, meaning extra expenses you have if you can’t live at home due to an earthquake.
Debris removal of damaged property.
Costs to bring the property up to code during reconstruction.
Loss assessments you have to pay due to an earthquake, such as a loss assessment against members of a homeowners association.