No one ever thinks an earthquake is going to happen near them in Oregon. People forget we are sitting right on the line of the "ring of fire" with all the volcano mountains lined up. Recent geological events prove we are prone to earthquakes here in Oregon. The smallest earthquake can do serious damage to your home. If it's not endorsed on to your policy, you will be responsible to repair it out of your own pocket.
The standard insurance policy does not pay for direct damages caused by earth movement. Earth movement is a much broader term than earthquake. It includes earthquake, volcanic activity and other earth movement. This coverage may be available by endorsement for an additional charge.