While your homeowner's policy may cover many things, from hail and lightening damage to 'slip and falls' and dog bits, the traditional homeowners insurance policy does not include coverage for earthquakes.
In general, typical earthquake insurance covers the expenses that come with repair or, in some cases, the replacement of damaged property. There are various options to choose from as well- including coverage to protect additional structures (such as detached garages and tool sheds), contents coverage (to protect the personal contents of your home), and even additional living expenses (to cover the cost of temporary housing, food and clothing if your home is destroyed).
Just like with homeowner's insurance, earthquake insurance premiums can significantly vary.
