The earthquakes endorsement provides coverage for which items, and what is excluded?

• A. Only loss of use
• B. Dwelling, other structures, and personal property for direct physical losses; no coverage for loss of use or additional coverages
• C. Only property damage to the dwelling
• D. Only jewelry

Answer: (B)

The earthquake endorsement is meant to cover direct physical damage caused by an earthquake to the property that is listed in the policy. It provides coverage for the dwelling, other structures, and personal property for those direct losses from the quake. It does not extend to loss of use (such as extra living expenses while repairs are made) or to additional coverages that might come with the standard policy. In other words, you get payment for repairing or replacing the physical items damaged by the earthquake, but you don’t get coverage for temporary living costs or extra coverages unless those are included elsewhere.