The standard insurance policy does not pay for direct damages caused by earth movement. “Earth movement” is a much broader term than “earthquake”. It includes earthquakes, volcanic activity, and other types of earth movement. This coverage may be available by endorsement for an additional charge. If you live in an area that’s more likely to have an earthquake, you’ll pay more than if you live in an area that is unlikely to have one. We can help you weigh the costs and benefits of this coverage before you decide to purchase.
Related FAQs
It's worth considering. Tennessee sits on two active seismic zones, and standard homeowners policies exclude earthquake damage. The East Tennessee Seismic Zone runs through the valley around Knoxville and Chattanooga ...
Usually not unless you add it. Many standard homeowners policies exclude sinkhole damage, but sinkhole coverage is generally available as an option in Tennessee. Much of East and Middle Tennessee ...
Some carriers offer a discount for roofs that resist hail and wind, such as Class 4 impact-resistant shingles or roofs built to the IBHS FORTIFIED standard. Class 4 shingles are ...
