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As surprising as it sounds, home insurance does not cover damage that results from land movements, including earthquakes, landslides or sinkholes.
For those who live in areas where any of these are a real risk, additional earthquake insurance is recommended. That’s particularly true for people who live in California, Washington and Missouri, the top three earthquake markets in the country, as identified by the Federal Emergency Management Agency (FEMA).
Californians can purchase a policy through the California Earthquake Authority.
It is also possible to purchase an additional policy or add coverage for landslides or sinkholes if you are at risk.