Does Homeowners Insurance Cover Earth Movement? 
Probably not . It is always best to check with your Insurance Professional and discuss theterms and conditons of your policy , but for the most part , there are two pretty common specific exclusions that can be found in Homeowners ' policies . One is an exclusion for any damage to your home or property caused by earth movement and the other is for damage caused by flood . In many cases , you can have earth movement coverage endorsed onto your policy , but coverage for damage caused by flood is only available by purchasing a Flood Insurance policy . 