Does home insurance cover erosion?

September 27, 2023

I have a hilltop home with a wonderful view of a pond. However, I’m getting concerned that erosion can eventually harm my house. Do homeowners’ policies cover erosion?

Erosion isn’t among the listed perils, so most, if not all, homeowners’ policies won’t cover it. However, you can add erosion coverage as an endorsement to your policy or purchase a special Difference in Conditions (DIC) policy that covers gaps in your homeowner’s policy.

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