Earthquake coverage can typically be added to a house or organization policy and is not generally bought as a different policy. The basic house owner’s policy has an exclusion for “Earth Motion”, which includes earthquakes, landslides, mudflows, sinkholes, and more.
What is an earthquake?
A sudden and violent shaking of the ground, in some cases triggering great destruction, as a result of movements within the earth’s crust or volcanic action.
Homeowners can purchase earthquake insurance to cover both the building and its contents, while tenants can frequently get earthquake protection for their belongings. Earthquake coverage can consist of loss from breakage (such as a television set or furnishings, but not great china, crystal or fine art work). Keep in mind that there is a different deductible for earthquake damage or loss that can differ from 5% to 15% depending upon the state or business. States that are prone to earthquakes often have guidelines particular to the business that i.
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