An Earthquake In Pasadena Maryland? Does My Home Insurance Cover Earthquakes? www.HuffInsurance.com As I was talking on the phone during the afternoon of August 23, 2011, the walls of my office started rattling and a picture fell from the shelf behind my desk.  My first thought was, wow, there must be a big truck going down Ritchie Highway or Hastings Lane.  But then it continued for about another 45 seconds or so and I quickly realized that we were having an earthquake.  One thing most people do not realize is that like floods, earthquakes are not covered on a typical homeowner’s insurance policy.  So any damages to your home or personal property in the home that was caused by the earthquake would not be covered.     Earthquake coverage is available from most homeowners insurance company’s by purchasing an earthquake rider or endorsement.   If your company does not have the earthquake endorsement, you can purchase a separate earthquake ...