CheapInsurance.com reports that standard homeowners insurance excludes earthquake coverage, which varies by state.

Unlike hurricanes, floods, wildfires and other natural disasters, earthquakes don't have an annual season that homeowners can prepare for. But they do hit certain parts of the country more than others ...

Homeowners insurance can be a lifesaver in many situations, but it doesn't cover everything. Among the excluded events are earthquakes. To protect your property and belongings, you'll need a ...