Your homeowner’s policy does not cover damage caused by earthquakes. You must either purchase an earthquake coverage endorsement or purchase a separate policy for earthquake insurance. Don’t make the mistake of thinking that you will rely on government disaster assistance to help you recover losses from an earthquake.
Government disaster programs, such as FEMA, are designed to take care of immediate needs such as food, clothing, medical assistance, and temporary shelter. However, rebuilding your home and replacing your contents is up to you. Even if you get a low-interest loan through FEMA to help you rebuild, it still has to be repaid. If you live in an earthquake prone area, the only way your property and contents will be covered is through earthquake insurance.
Earthquake insurance will cover damage to your dwelling and its contents caused by damage from an earthquake such as walls that collapse or valuables that are destroyed inside your home. However, some damages may not be covered. This will depend on the language of the policy.