Agent, Rural Mutual Insurance Co., Union Grove, WI
Home owners insurance will typically not cover foundation cracks that are not caused by a covered peril. This is typically considered to be part of basic home maintenance. Please read your policy completely to understand the coverage provided and exclusions within the coverage or call your local agent to have them explain your policy's coverage and exclusions.
Typically this is not a covered peril as David mentioned.
One thought I had is if your home is fairly new you can call your home builder and see what their warranty is on your foundation. In Scottsdale, AZ where I live there has been a lot of homes built in a short amount of time, and this is a common issue.
Owner, Wright Insurance Agency, Great Pittsburgh Area
Only if it is something that is sudden and accidental which is the key to all insurance claims. Depending on how it occurred and what made it happen is the criteria used for settling claims. As the others have mentioned, a crack in a wall / foundation etc are maintenance issues meaning over the course of owning a home you should keep the property well kept when something happens. Examples are a roof that is wearing out and needs replaced, the foundation with cracking or bowing, etc.
Agency Owner, A1 Insurance LLC, Arizona, California Agency
Great Question that is most asked by homeowners in California or other state that have Earth movement. Usally this question if not easy to answer with a yes. But it would be something to ask your current insurance company but most policies do not cover foundation cracks. Always check your own policy.
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One thought I had is if your home is fairly new you can call your home builder and see what their warranty is on your foundation. In Scottsdale, AZ where I live there has been a lot of homes built in a short amount of time, and this is a common issue.