Home Insurance and Earth Movement Coverage

Home Insurance and Earth Movement Coverage

Learn about the limits to your homeowners insurance policy.

While your insurance provider may refer to your policy as “all-risk,” all home insurance policies are subject to limitations and exclusions. For instance, your homeowners insurance in Jackson Heights, New York, will not offer coverage for the damages caused by earth movement. Want to learn more about this specific coverage exclusion? Then please read on.

Earth Movement Exclusions

One of the major exclusions on your homeowners insurance is the damages related to earth movement. While most homeowners think of earthquakes when they think of earth movement, this exclusion actually encompasses a wide range of risks. For instance, insurers typically define earth movement as sinking, rising, shifting, expanding, or contracting of the earth. While this definition clearly encompasses earthquakes, it also includes the following:

  • Landslides
  • Mudflows
  • Mudslides
  • Sinkholes
  • Subsidence
  • Erosion
  • Volcanic explosion
  • Lava flow
  • Movement resulting from improper compaction, site selection, or any other external forces

Securing Supplemental Insurance

To protect against earth movement risk, homeowners can secure additional forms of insurance. For instance, many insurers will allow you to add an earth movement endorsement to your homeowners policy. Additionally, you can also secure a totally separate policy to protect against earth movement events. This is common in states such as California, where earthquakes pose a major risk for homeowners.

As a homeowner, it’s important to understand the limits of your homeowners insurance in Jackson Heights, New York. When it comes to earth movement, you need to secure additional insurance to protect against this risk. For assistance with all your home coverage needs, contact the experts at 01 Insurance today.