I know there are insurance agencies that do not offer this coverage. Check with AAA, we used the local office on 441 very close to Spanish Springs. Coverage was no problem, and there was a sinkhole(s) less than 1 block (maybe 300 feet) from our house. So IMHO, it might just be the company you are dealing with.
Hope this helps.
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Pennsylvania, for 60+ years, most recently, Allentown, now TV. 
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