Volcanic Eruptions and Homeowner's Insurance

Damage from a volcanic eruption is typically covered by home insurance, but  there are many exclusions and exceptions, so it is importat to check with your agent on the exact details of your policy.  In general damage caused by volcanic blast, shock wave, lava flow, and volcanic fallout are included.  Earthquake , landslide, mudflow, tidal wave, flooding or earth movement are typically excluded.   You can buy a separate policy for earthquake or flood insurance to fill in the gaps, or you may want to consider a differences in conditions policy.  Volcanoes typically cause many perils when they errupt, so we highly recommend that you talk to a professional agent if you are concerned with a particular scenario.