Earthquake Insurance

10 Homeowners Insurance Covers Fire Damage California law says that both homeowners and renters insurance must cover fire damage that is caused by or follows an earthquake. This means that the fire damage is covered, whether or not you have earthquake insurance. Does my homeowners or renters insurance cover any earthquake damage? In general, your homeowners or renters insurance does not protect your house from the damage an earthquake causes, even if the damage is indirect. • The main exception is fire. See below. • In some cases your homeowners or renters insurance may specifically cover direct loss due to explosion, theft, or breaking glass caused by an earthquake, even if you do not have earthquake insurance. Ask your insurance agent. • Read your homeowners policy and contact your insurance company whenever an earthquake damages your property. Do not assume that the damage is not covered.