Massive earthquake las vegas: Your home insurance may not cover the damage—check your policy now. A 5.1 magnitude earthquake just rattled Sin City, catching thousands off guard and potentially leaving homeowners with massive out-of-pocket repair bills. If you live in the Vegas Valley, your standard insurance likely excludes earthquake coverage, meaning cracked foundations, broken tiles, and shattered windows could cost you thousands. Consumer advocates are urging everyone to immediately review their policies and consider low-cost add-ons before the next shake hits your wallet harder than a jackpot loss. Don't wait for the aftershocks to empty your savings.