Buying a new home and getting home insurance quotes. First quote I got indicated that floods were not covered, but he didn’t know whether or not that includes landslides - I’m assuming it doesn’t since a landslide is not necessarily caused by a flood. However, landslides were not listed as one of the items that would not be covered. That is, he was required to list of things the homeowner’s insurance wouldn’t cover, which were things like floods, jewelry, etc., and earthquakes.
If it helps, this is in SoCal - we’re looking at a house that’s at the bottom of the hill. In the past, there was a small landslide on the property that caused some damage. Since then, a retaining wall has been put up.
Mudflow is covered by flood insurance, which is available from FEMA’s National Flood Insurance Program (NFIP) and some private insurance companies. Like flood, however, mudflow is excluded from standard homeowners and business insurance policies—you must buy the coverage separately.
No. A landslide is considered an “earth movement” event so, like an earthquake, it is excluded from standard homeowners and business insurance policies. However, you can buy what’s known as a “Difference in Conditions” policy (which typically offers all-in-one coverage for landslides, mudflows, earthquakes, and floods). Difference in Conditions policies are sold by surplus lines insurers; your insurance professional can help you find a surplus lines insurer that will meet your needs. You can also check the Insurance Marketplace for a contact in your state.