for your vehicle, HO-2 policies require a separate endorsement or policy for earthquakes or flooding.
Most home insurance policies allow you to add an endorsement for earthquakes. This would be an additional coverage on your policy for damage done to your home by an earthquake or earth movement. You may be able to find
Flood insurance is not available through standard home insurance policies. All coverage is written through the National Insurance Flood Program. If you need flood coverage or more information, reach out to your current carrier.”
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