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How volcano damage is covered on your insurance

Most homeowners and auto insurance policies cover you from some damage related to a volcanic eruption, but there are exceptions.

Volcano island with palm trees and small fishing boat

You can learn about eruption risks in your area by visiting the United States Geological Survey Volcano Hazards Program, which posts up-to-date information about volcanic activity, including a color-coded risk assessment system for individual volcanoes. If you live within 20 miles of a volcano, take a moment to find out more about how your family can prepare for and respond to a volcano eruption.

Review your homeowners insurance policy, renters insurance policy, or auto insurance policy to understand coverages for property loss caused by volcanic eruption when it’s the result of a volcanic blast, airborne shock waves, ash, dust or lava flow. Also check to see how fire or explosion resulting from volcanic eruption might be covered.

It’s extremely helpful to have a home inventory and to make sure your stuff is covered. To learn more, contact your insurance agent.

What might be covered from property loss caused by a volcanic eruption

  • Direct, sudden damage to your vehicle is covered under most automobile insurance policies if you have comprehensive coverage at the time of the loss.
  • A vehicle crash that happens during or after a volcanic eruption would be covered under the terms of your policy, like any other crash.

What might not be covered from property loss caused by a volcanic eruption

  • Most homeowners insurance policies do not cover damage from earthquake, land tremors, landslide, mudflow or other earth movement regardless of whether or not the quake is caused by or causes a volcanic eruption. Earthquake coverage is usually available either by endorsement for an additional charge or by purchasing a separate earthquake policy. Most insurance companies won’t issue earthquake policies during or immediately after an earthquake.
  • Flood damage isn’t covered under a typical homeowners insurance policy. Flood insurance is available through the National Flood Insurance Program, as long as the policy is in force prior to a flood.
  • Check with your insurance agent or insurance carrier to determine if damage from volcanic action is covered by your policy.
  • Expenses incurred for preventive measures are not covered under either the auto or homeowners policy.
  • The cost to remove ash from personal property is generally not covered. There is no coverage to remove ash from the surrounding land or landscaping.
  • Most policies don’t cover damage that occurs to homes or vehicles over time due to volcanic dust or ash.
  • Wear and tear from any circumstance is generally not covered.

If you are concerned about property loss from volcanic activity, contact your insurance agent today.

The information in this article was obtained from various sources not associated with State Farm®. While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. These suggestions are not a complete list of every loss control measure. The information is not intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. Nor is it intended to effect coverage under our policy. State Farm makes no guarantees of results from use of this information.

State Farm® (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.


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