Earth movement is excluded on a home policy, but it can be added at a small charge.
New England is supposed to be at risk of this loss. Since 1989 when I started this agency there has not been any claims due to earth movement with our insureds. But can it happen? Yes.
No one can see the future, and people buy insurance for peace of mind to protect what they have invested in.
Earthquake insurance has a 5% deductible. If you insured your house for 500,000 you would have a 25,000 deductible on an earth movement loss.