Direct answer
No, standard homeowners insurance policies in California do not cover earthquake damage; you must purchase a separate earthquake insurance policy or an endorsement to receive coverage for seismic events.
California Department of Insurance consumer guidelines regarding standard policy exclusions. For additional information about policy exclusions, see the California Department of Insurance’s earthquake insurance guide.
What this means for you
No, standard homeowners insurance policies in California do not cover earthquake damage; you must purchase a separate earthquake insurance policy or an endorsement to receive coverage for seismic events.
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This page is informational and not a coverage guarantee or quote.
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