Earth movement and flood are excluded under homeowners policies, but the exclusions are not the whole story. Each one gives back certain ensuing losses.
Earth movement, such as an earthquake or landslide, is excluded. But:
direct loss by ensuing fire or explosion is covered;
the exclusion does not apply to loss by theft;
the Glass or Safety Glazing Material additional coverage pays for breakage of glass in a covered building caused directly by earth movement.
Water damage, meaning flood, surface water and overflow of a body of water, is excluded. But direct loss by fire, explosion or theft resulting from the water damage is covered. Flood coverage itself must be bought separately.
Example: river water soaks the floors and shorts out the electrical panel, and a fire burns the kitchen. The soaked floors are excluded; the kitchen fire is paid.