Home insurance policies do not cover damage from landslides and earth movement. Even though landslide insurance might be costly, having landslide insurance will be your only chance of recovery against the uncertainty of damage or destruction as a result of a landslide. The type of policy that provides insurance protection against a loss due to landslide is sometimes called a ‘Difference in Conditions’ policy or a ‘Natural Catastrophe’ insurance policy.
As a homeowner you must assess these following questions:
How likely is a landslide?
How much damage would a landslide inflict on you, your home and belongings?
How much can you afford to lose without having Oregon landslide insurance?
The Oregon Landslide Insurance section will provide you with the following landslide insurance basics: