Additional Homeowner's Insurance Coverages
No standard insurance policy, including the homeowner's policy, covers catastrophic damage that can be caused by an earthquake. For an additional premium, companies offer an earthquake endorsement with your homeowner's policy that will protect you in case your home suffers earthquake damage. In some areas, this coverage is typically inexpensive and should be considered. This is the case for South Carolina; despite the fact that fault lines do run through the state, earthquake activity is infrequent. To learn more about earthquake coverage, review our Earthquake Coverage guide here.