Most standard insurance policies for homeowners, mobile home owners, condominium owners, and renters do not cover earthquake damage. Similar to flood insurance, earthquake insurance must typically be purchased separately. Many assume their residential insurance policy fully protects them, but it usually does not cover earthquake loss. In addition, government disaster relief programs are extremely limited—they are designed to help you get partly back on your feet, but not to replace your home and everything you lose. Be sure to add coverage to protect your home and its contents in case of earthquake damage.
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