Standard homeowner's insurance typically covers damage from events like fires, theft, and certain types of storms, but it does not cover damage caused by earthquakes. For homeowners living in areas prone to seismic activity, earthquake insurance is a crucial addition to their policy.

This type of insurance helps cover the cost of repairing or rebuilding a home after it has been damaged by an earthquake. It may also cover personal belongings inside the home and provide additional living expenses if the home is uninhabitable after the event. Knowing whether you need earthquake insurance is important, especially if you live in high-risk areas, as standard homeowner's policies won't provide the coverage needed for this type of disaster.

‚Äç