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Does standard renters insurance cover earthquake damage in quake-prone areas?

I'm moving to San Francisco, so I want to know if renters insurance will guard against earthquakes there.

Jackie Whalen · Updated on Apr 13, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

Earthquakes, like most natural disasters, are normally not covered under a standard renters policy, even if you live in a quake-prone area. However, most insurance companies will offer earthquake coverage as an add-on to your policy. Check with your carrier to see if they offer it for purchase.

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