Great question! Most homeowners policies will not include earthquakes in the general body of coverage. Depending upon where you live, assuming that it is a valid concern for you, it will need to be purchased as a rider or separate policy. Floods are another example of the kinds of dangers that are not typically covered that require riders or separate policies. Call your agent to be certain in your specific policy's case. Thanks for asking!
Jim is right. You have to buy the coverage as an add-on to your current policy. If you are eligible to buy from USAA, contact them and tell them you want to add earthquake coverage to your policy. Or if you are signed up to their mobile platform, you can add the coverage to your policy yourself.
Unless you live in a high earthquake zone, the premium will be very reasonable.
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Unless you live in a high earthquake zone, the premium will be very reasonable.