You can usually get riders on a policy to cover things usually excluded.
Yeah, it's extra dollars, but usually not too bad. Out here on the left
coast we get hammered by earthquakes, yet most people don't
realize until it is too late that quake coverage is extra, or if they
do realize it, they skip it.
Bet you find the same exclusion with all the companies.
Good luck.
Frank, W7ND
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