Does home insurance cover volcano damage?
My daughter is considering moving to an area with volcanic activity. Will she be protected from volcano damage?
Answer
In order for volcano damage to be covered by homeowners insurance, eruptions would have to be listed as a named peril on the policy. Alternatively, there would have to be an open peril policy without any exclusion for volcano eruptions.
Generally speaking, homeowners insurance rarely addresses volcanic eruptions overtly.
While eruptions may not be included in a policy, some related events like fire and fallen objects may be explicitly covered. This may provide some indirect protection from volcanoes.
If you want to look for more coverage for your daughter, have her sign up for the free Jerry app to compare rates from the top 50 companies in under a minute.
Alexah Grinnell
Answered on Jul 27, 2021
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