The section of the policy that will likely answer the question the best will be found in the “Exclusions”. In the ISO Homeowner Form 3 (HO3) policy, emulated by most insurers if not used directly, and the most common form of homeowner insurance issued in the USA, is the form I take this information from. It says: Collapse, Settling, subsidence, earth movement (unless endorsed otherwise), landslide, mudslide, mudflow, sinkhole, or any other impact of the earth sinking, rising or shifting that impact the foundation structure, walls, footings or floor are specifically excluded. An exception is made for the impact of losses caused by fire but only to the extent caused by the fire. In other words, if a fire ensues and the building eventually collapses, it is covered to the extent the damage was caused due to the damage of fire. There are certainly regional exceptions. In Ohio, due to past mining activity, subsidence has to be offered in various counties (but does not need to be purchased). Florida has a problem with sinkholes and may have state mandated coverage changes. California has issues with earthquake and almost certainly requires at least the offer of earthquake insurance. Check with your local insurance representative for the advice that fits your particular locality.