Earthquakes are generally not covered by typical homeowners insurance policies. Many insurance carriers offer riders to provide some level of earthquake insurance to homeowners.
This coverage usually comes with a high deductible, but will provide substantial coverage in the event that your home is destroyed as a result of a significant seismic event. Earthquake insurance includes coverage for damage to the foundation or basement, the overall structure of the home and damage to the interior of the home.
However, the coverage offered by different policies may vary. For example, some policies will cover accessory structures such as garages, while others cover damage only to the home. Also, some of the more comprehensive plans will provide coverage for personal belongings in your home.