Texas · Shaking is an exclusion, not a deductible
A standard homeowners policy does not cover the earthquake. A fire that starts afterward might still be covered.
Most HO-3 forms exclude earthquake and a wider set of earth movement: landslide, shifting, and settling. That exclusion applies to the dwelling, other structures, and contents unless you buy the peril back. A crack you noticed after a dry summer is usually that earth-movement exclusion, or wear, not a quake claim. This is educational. The form decides.
The buy-back is either an endorsement on the homeowners policy or a separate earthquake policy. Either one has its own limit and, very often, a deductible that is a percent of Coverage A. That percent can be much larger than a hail deductible. Read the percent and turn it into dollars before you buy. On a $450,000 dwelling, 10 percent would be $45,000. That is an example of the math, not a quote and not a typical rate. Additional living expense applies only if that earthquake contract says the home is unlivable from a covered quake. It does not come from the homeowners form you were told excludes earth movement.
The base policy: Texas homeowners, the product page, and what each coverage is. Flood, separately: Texas flood. The regulator: TDI. Where quakes actually occur, which is not a coverage map: USGS earthquake hazards.
