Direct answer
No, standard homeowners insurance policies almost universally exclude earthquake damage, requiring you to purchase a separate policy or an endorsement to be protected.
Standard policy language definitions from the Insurance Services Office (ISO) regarding covered perils. For additional information about the common exclusions in standard homeowners policies, see the Insurance Information Institute‘s overview of perils.
What this means for you
No, standard homeowners insurance policies almost universally exclude earthquake damage, requiring you to purchase a separate policy or an endorsement to be protected.
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