Maryland Property and Casualty Insurance Practice Test 2026 – Complete Exam Prep

An earthquake endorsement is a rider that adds coverage for earthquake losses to a homeowners policy. Standard homeowners plans typically exclude earthquakes or provide limited protection, so this endorsement is needed to extend coverage. It usually covers both the dwelling and other insured property, but with a separate deductible and terms that apply only to earthquake claims. The deductible is often a percentage of the insured value rather than a fixed amount, and the coverage terms (limits, exclusions, and conditions) are specific to earthquakes. This is why the best description is that it adds earthquake coverage, typically subject to its own deductible and terms.