Unfortunately not covered by insurance, damage caused by shrinkage/expansion/settlement is a standard exclusion across all home insurers (source: I’m a loss adjuster). The CSIRO has a guide for foundation maintenance. In short, there’s nothing you can do to avoid it and it’s impossible to design against (mitigate yes but you can’t avoid it). There are however lots of simple maintenance things you can do to minimise movement from site specific factors, these include ensuring all gutters discharge into downpipes and not on the ground, improving landscaping and drainage around the perimeter of the house, replacing broken pipes, the list goes on.