That depends on if you have the replacement cost endorsement on your policy, which most people generally do. (effectivecoverage.com)
If you're concerned about the risk and want to protect yourself, you can certainly get an earthquake endorsement on your policy, generally for a few dollars a year. (effectivecoverage.com)
You'll need separate coverage or a special endorsement on your policy in order to cover those. (policygenius.com)