 TITLE: A Homeowner’s Guide to Earthquake Insurance CONTENT: What Is and Isn't Covered With Earthquake Insurance\n---------------------------------------------------\nWhen shopping for an earthquake insurance policy, make sure you understand what the coverage includes. Knowing the ins and outs of an insurance policy before you agree to the coverage is important, as a blind spot in your policy can leave you without recourse.\nEarthquake insurance policies include the following types of coverage:\n*   **Dwelling**: This covers repairs to your home and attached structures to fix damage caused by the earthquake\n*   **Personal property**: Personal belongings and valuables in your home can be protected by earthquake insurance. This type of coverage may be offered as an optional policy, and subject to its own limits.\n*   **Loss of use**: Living expenses can easily mount if your home is uninhabitable following a quake and you have to relocate while repairs are made. Loss of use coverage kicks in to cover things like hotel stays and related costs.\n*   **Renovations or code upgrades**: Coverage of this type helps pay for repairs or modifications following an earthquake needed to bring your home up to current local building codes.\nEarthquake insurance typically does not cover the following:\n*   Fire and water damage resulting from gas or water pipes that rupture in an earthquake. This may be covered under your homeowners policy, however.\n*   Vehicle damage. While not covered by earthquake insurance, this may be covered by your comprehensive auto insurance if you carry it.\nBefore you select a plan, ask the provider to verify policy details to ensure you get the coverages you need. Also, inquire about deductible amounts as they may vary by the type of claim you file. END