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I don't know of anywhere that earth movement or sinkholes are covered. There was coverage in Florida until May of 2013 when the law changed. I believe that now in Florida it has to be certified as a sinkhole by the State for it to have any coverage and now it is a limited amount of coverage. I think there is a limit of $10,000 but I am not certain. I most other states there is no coverage for earth movement.

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Q: Does GEICO homeowners insurance cover sink hole?
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Will homeowners insurance pay for cracked slab in home?

Depends on the cause. Typically settling and sink hole is not covered under a homeowners policy.

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It might be a good idea if you happen to live in sink hole territory.

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Damage from animals is not a covered cause.

Would homeowners insurance cover damage from a leaking gutter that damaged an enclosed porch ceiling and items on the porch?

No. Homeowners insurance is probably the best bargain in insurance by offering a great deal of coverages for a surprisingly small premium. The situation you are describing is not an insurance matter but a maintenance issue. It is not made to cover maintenance of the home but covers accidents that are "sudden and accidental". Homeowners insurance covers incidents that are caused by a covered cause such as theft, fire, lightning, windstorm, vandalism, weight of ice and snow, and many others. Things that happen over a long period of time are maintenance and are therefore not sudden or accidental and are not covered. An example would be a leaking roof caused by condensation from the A/C is not covered but if a storm caused a tree limb to fall on the roof poking a hole and causing a leak then damage would be covered.

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