Does home insurance cover erosion?

January 8, 2024

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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Oleksandr Rohovnin is a Content Marketer at and an expert contributor to CoverExplore. His passion is digital marketing, innovative technologies, tech industries, and – above all – distilling vast amounts of complex information into engrossing narratives anyone can relate to. At CoverExplore, Oleksandr stokes passion for auto insurance and the automotive industry in general in every story he curates.