The standard insurance policy does not pay for direct damages caused by earth movement. “Earth movement” is a much broader term than “earthquake”. It includes earthquakes, volcanic activity, and other types of earth movement. This coverage may be available by endorsement for an additional charge. If you live in an area that’s more likely to have an earthquake, you’ll pay more than if you live in an area that is unlikely to have one. We can help you weigh the costs and benefits of this coverage before you decide to purchase.
Related FAQs
For most homes in the Denver metro area, earthquake risk is low to moderate, and standard homeowners policies exclude earthquake damage. Colorado does have earthquakes: the Colorado Geological Survey notes ...
Colorado homeowners premiums are among the highest in the country, mainly because of hail and wildfire. The Front Range sits in "Hail Alley," and Colorado regularly ranks second only to ...
Start with a review of your policy and needs from a local agent who can compare carriers, since quotes for the same coverage on the same home can vary widely. ...
