The standard homeowners insurance policy in the state of California does not provide coverage for physical or personal damages caused by an earthquake. Instead, these policies generally only cover the damages caused by a fire, including fires which occur following an earthquake. Residential homeowners insurance may also provide coverage for explosions, vandalism, or theft following an earthquake. In some cases, residential insurance will cover damage from broken pipes, as well as landslides and mudslides following a pipe burst, but only if these issues resulted directly from an earthquake.
Earthquake insurance is well worth the investment. According to the California Department of Insurance, earthquake insurance must provide coverage for a homeowner’s dwelling, personal property over $5,000, and any additional living expenses of at least $1,500. Coverage may include the costs for a temporary rental home, apartment or hotel, as well as the costs for restaurant meals and groceries, telephone or utility installation in a temporary residence, relocation and storage services, furniture rentals, and laundry services.