It cracks me up how true this is. I managed a theater for a while so on weekends after close (1a-ish) the managers on duty would go unwind at the nearby WH, got to know the staff there and they’d be vocally profiling people to us as groups were coming to the door. One time the cook made a dick shaped pancake for one in our group, but cut off the end and sprayed a bunch of ketchup all over the plate. They were good people, some of my favorite.
That crack isn’t bad at all, especially if it’s following a mortar line. Are there doors/windows nearby, or is it close to a corner? Insurance will almost certainly tell you it’s nothing. My area had a quake a few years ago and I got a bigger crack (maybe 1/4") above the basement walkout door, also through the mortar like this one. If you wanna seal the crack then you’d have better luck with caulk, mortar would have a hard time taking to such a small crack; and sealing it would make the area more difficult to monitor. Just keep an eye on it over time and bone up on the water management around your house to make sure it’s all flowing away from your foundation, not loitering. I really don’t think you’ve got something to worry about right now based on what I see, and I’ve worked on or evaluated hundreds of houses. Rest easy, friend