Which of the following is NOT true?

The standard homeowner insurance policy does not typically cover or provide protection for damage resulting from earthquakes.

Insurers can only file an issue with the CLUE database when the homeowner files a claim.

There are several strategies to reduce the premium on a home insurance policy including: installing security devices, increasing your deductible, good credit rating, customer loyalty and being a non-smoking client.

Replacement cost insurance coverage provides payment of actual costs to replace, rebuild or purchase a home or property without a deduction for depreciation for age, wear and tear.