What insurance term describes coverage for damage caused by earthquakes?

Earthquake insurance is coverage designed to protect against damage caused by earthquake shaking and related seismic events.

Standard homeowners insurance in many markets, including the United States, commonly excludes earthquake damage. Property owners who want this protection may buy a separate policy or add an endorsement, depending on local availability and insurer practice.

Coverage can include damage to the building, personal property, and additional living expenses, but exclusions and limits vary. Earthquake policies often have deductibles calculated as a percentage of the insured property value, rather than as a small fixed dollar amount.

Earthquake insurance should not be confused with flood insurance. Earthquakes can cause flooding or landslides, but those resulting hazards may require separate coverage or may be excluded unless specifically addressed by the policy.