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Does home insurance cover erosion?
I live on the top of a hill overlooking the water. I’m becoming worried that erosion could damage my home in the long-run. I’d hate for my house to end up in the water. Does home insurance cover erosion?
Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It’s a smart move to familiarize yourself with what your home insurance covers. Unfortunately, erosion is usually not covered by homeowners insurance.
Erosion is rarely, if ever, a named peril on a homeowners insurance policy.
Named perils
are usually sudden and unexpected. Erosion is considered an “earth movement” by insurance companies. Other examples of earth movement are earthquakes, sinkholes, and landslides—none of which are traditionally covered.
Most insurance companies will offer additional endorsements or policies for earth movement, which would cover erosion.
Additionally, if the erosion is caused by rising water or a flood, an additional flood insurance policy would cover the damage.
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