Most home insurance policies do not cover earthquake. You'd need to get a separate earthquake policy.
Some quick facts
Rates for earthquake insurance can vary significantly depending on location.
In earthquake prone areas (i.e. San Francisco), the cost of earthquake insurance can be high.
Your deductible is typically a percentage of your dwelling coverage (can range from 5% to 15%)
In California, earthquake insurance is mainly handled by the California Earthquake Authority (CEA).
To obtain CEA coverage, you must first have a companion residential insurance policy written through a CEA participating insurance company. The dwelling coverage must match your property policy.
We also partner with private earthquake insurance companies that offer stand alone coverage.