At 81.0% owner-occupied with a median of $364,300. Everything a policy does assumes the ground stays where it is, and that is an assumption rather than a promise.
Earth movement is excluded from every standard homeowners form, whatever caused it.
Three things about an exclusion nobody mentions.
Earthquake, landslide, subsidence, settling and sinking are excluded on standard homeowners forms, and the exclusion generally applies regardless of what caused the movement. It is one of the broadest exclusions in the contract and one of the least discussed, because nothing about a desert suburb suggests it matters.
Hairline cracking in stucco and drywall as a house settles is normal and uninsured. What matters is distinguishing ordinary settling from movement serious enough to need engineering, and that is a structural question rather than a claims one.
Earthquake and earth movement cover can be bought separately in some circumstances, usually with a substantial percentage deductible. Whether it is worth it depends on the house and your tolerance, and it should be a decision rather than an omission.
What the standard form will and will not reach.
Pre-existing damage is excluded, so knowing the baseline matters.
It exists, it carries a large deductible, and it is a judgment call.
On newer construction, structural cover may still be live.
Tell us the age of the house and whether there is any existing movement.
We tell you plainly what the standard form will never cover.
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