The dwelling and homeowners policies do not cover the earthquake peril.
Many insureds do not need this coverage; however, many companies are willing to offer earthquake insurance separately to insureds who want it, either as an endorsement to their dwelling or homeowners policy or as a separate policy.
Earthquake insurance generally covers damage to a structure, its contents, or both as the result of an earthquake. All earthquake shocks that occur within 72 hours constitute a single earthquake.
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