Direct answer
No, standard homeowners insurance policies in California specifically exclude damage caused by earthquakes, requiring you to purchase a separate policy or endorsement.
California Department of Insurance consumer guides regarding standard peril exclusions. For additional information about policy exclusions, see the California Department of Insurance‘s consumer guide on residential insurance.
What this means for you
No, standard homeowners insurance policies in California specifically exclude damage caused by earthquakes, requiring you to purchase a separate policy or endorsement.
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