Trailers designed for use with a motor vehicle.Data (stored electronically or on physical records, like paper or accounting books).Landscaping, trees, shrubs, lawns or plants.Personal property located outside of the dwelling.Exterior masonry veneer, walls and fences.Bulkheads, piers, wharves and retaining walls.Underground structures or equipment outside the foundation wall of the dwelling, such as underground pipes, cables, flues and drains.
The following items are commonly excluded on earthquake insurance policies: What’s Not Covered by Earthquake Insurance? Additional living expensesĪdditional living expenses coverage, also known as “loss of use,” reimburses you for extra expenses like lodging, meals and laundry if you cannot live in your house because of earthquake damage covered by the policy. For example, we reviewed a policy that had a $500 special limit on computers and another $500 on tools. Some items have “special limits,” meaning the policy will only pay up to a specific amount.
Personal property coverage includes furniture, clothes, appliances, dishes, pots and pans, jewelry, musical instruments, rugs and other personal items. This might include garages, carports, storage buildings, pump houses and other structures. This covers structures that are not attached to the house. This might include concrete slab floors inside the dwelling, the foundation and structures like an attached garage. Source: Insurance Information Institute, July 2020 surveyĮarthquake insurance typically covers the following: Dwellingĭwelling coverage includes your house and structures attached to it.
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