Written By 
Reviewed By Aline Smith
Introduction
Hi there! I’m Sarah, a licensed insurance broker with over 15 years of experience helping homeowners find the right coverage for their castles (a.k.a. homes!). While standard homeowner’s insurance protects against common perils, it often excludes damage caused by earthquakes and other earth movement events. That’s where Earthmove insurance comes in – providing a vital safety net for your biggest investment.
Headings:
- Peace of Mind Beyond the Big One: What is Earthmove Insurance?
- Earthmove vs. Earthquake Insurance: Understanding the Difference (Informative Table Included Here)
- What Does Earthmove Insurance Cover? (Key Points Table Included Here)
- Is Earthmove Insurance Right for You? Here’s How to Decide
- Finding the Perfect Earthmove Insurance Policy
- The Final Tremble: Securing Your Home’s Future
Content Breakdown:
Peace of Mind Beyond the Big One: What is Earthmove Insurance?
Earthmove insurance is an add-on policy designed to fill the gap in coverage left by standard homeowner’s insurance. It specifically protects your home from damage caused by various earth movement events, including:
-
- Earthquakes
- Landslides
- Sinkholes
- Subsidence (ground settling)
- Erosion
Earthmove vs. Earthquake Insurance: Understanding the Difference (Informative Table)
| Feature | Earthmove Insurance | Earthquake Insurance |
|---|---|---|
| Coverage Scope | Broader range of earth movement events | Solely covers earthquake damage |
| Typically Offered | As an add-on policy | May be available as a separate policy or add-on |
| Cost | Varies depending on location and risk factors | Generally less expensive than standalone earthquake insurance |
What Does Earthmove Insurance Cover? (Key Points Table)
| Coverage | Description |
|---|---|
| Dwelling Structure | Repairs or rebuilds your home’s structure |
| Detached Structures | Protects garages, sheds, and other detached buildings |
| Personal Belongings | Covers damage to your furniture, appliances, and other belongings |
| Additional Living Expenses (ALE) | Pays for temporary housing if your home is uninhabitable |
Is Earthmove Insurance Right for You? Here’s How to Decide
Consider these factors to determine if Earthmove insurance is a wise investment:
- Your Location: Living in areas prone to earthquakes, landslides, or sinkholes means greater potential for earth movement damage.
- Your Home’s Value: The higher the value of your home, the more significant the financial protection Earthmove insurance offers.
- Your Risk Tolerance: If unexpected expenses due to earth movement events worry you, Earthmove insurance provides peace of mind.
Finding the Perfect Earthmove Insurance Policy
- Shop Around: Don’t settle for the first quote! Get quotes from different insurance providers to compare coverage options and pricing.
- Understand Deductibles: Choose a deductible that balances affordability with out-of-pocket costs in case of a claim.
- Read the Fine Print: Ensure the policy covers the specific earth movement events you’re concerned about, such as landslides or sinkholes, depending on your location’s risks.
The Final Tremble: Securing Your Home’s Future
Earthmove insurance provides a crucial layer of protection for your home, safeguarding it from a wider range of threats than earthquakes alone. By considering your needs and shopping around for the best policy, you can find peace of mind knowing your castle is well-fortified against the forces of nature.
