Are landslides covered under a homeowners policy?

Landslides are typically considered a form of earth movement, which is classified as an exclusion in standard homeowners insurance policies. This means that damage resulting from landslides is generally not covered under these policies. Homeowners insurance is designed to cover specific perils such as fire, theft, and certain types of water damage, but it does not extend to earth movements, which include landslides, earthquakes, and sinkholes.

Homeowners in areas prone to landslides may be able to purchase specific disaster coverage or additional policies that target earth movement risks. However, this would be separate from the standard homeowners policy.

While some options mention additional coverage or location-specific considerations, the overarching principle remains that standard homeowners insurance does not include coverage for landslides, making the most accurate answer that damage from landslides is not covered.