seismic activity, earth movement damages

Is Earth Movement Coverage Included in Standard Home Policies?

What you need to know about earth movement damages and your home insurance.

If you are like many other homeowners, then you may assume that your policy protects you from every peril that comes your way.  However, every insurance policy is subject to certain limitations and coverage exclusions, and your home policy is no different.  For instance, standard home insurance typically excludes coverage for earth movement damages.  Here’s what you need to know about this coverage limitation.

Types of Earth Movement

While most homeowners think of earthquakes when they think of earth movement, this exclusion actually encompasses a wide range of risks. For instance, insurers typically define earth movement as sinking, rising, shifting, expanding, or contracting of the earth. While this definition clearly encompasses earthquakes, it also includes the following:

  • Landslides
  • Mudflows
  • Mudslides
  • Sinkholes
  • Subsidence
  • Erosion
  • Volcanic explosion
  • Lava flow
  • Movement resulting from improper compaction, site selection, or any other external forces

Securing Supplemental Insurance

To protect against earth movement risks, homeowners can secure additional forms of insurance. For instance, many insurers will allow you to add an earth movement endorsement to your homeowners policy. Additionally, you can also secure a totally separate policy to protect against earth movement events. This is common in states such as California, where earthquakes pose a major risk for homeowners.

As a homeowner, it’s important to understand the limits of your home insurance, such as earth movement damages.  Do you have further questions about home insurance coverage exclusions?  If so, then contact the experts at Tri-Star Insurance/HUB International today.