Most standard homeowners, mobile home owners, condominium and renters insurance policies do not cover earthquake damage. Similar to flood insurance, earthquake insurance usually must be purchased separately.
Many people assume their residential insurance policy fully protects them, but if you look at a typical policy, you will see it does not cover earthquake loss. In addition, government disaster-relief programs are extremely limited. They are designed to help you get partially back on your feet, but not to replace your home and everything you lose.