Earthquake insurance is a complete separate policy from your Homeowner’s. Most have a 20% deductible based on the damages. If 100k is damaged you are responsible for 20k. On a side note there are no policies for for what is deemed “movable/unstable” earth. After the Socal landslides insurers rewrote policies to exclude this. Also after the LA riots, insurers rewrote policies excluding “insurrection, anarchy” and whatever else could pertain to a loss in times of civil unrest.
Many people in SD do not have earthquake insurance. Some people buy it off and through out the year as a kind of russian roulette.
