What does insurance cover for volcano eruptions?

Coverage typically depends on how the damage is caused.

Posted: May 9, 2018 7:43 PM
Updated: May 9, 2018 7:47 PM

EUGENE, Ore. – The Kilauea volcano eruption on Hawaii’s Big Island has left some wondering what insurance will cover if their home or property is damaged by a volcano in the Pacific Northwest.

According to the Insurance Information Institute, most home, renters and business insurance policies provide coverage for damage caused by a volcanic blast, airborne shockwaves, ash, dust or lava flow.

RELATED: Amid Hawaii eruptions, expert says Oregon's volcano threat is low

Damage to vehicles caused by lava flow is covered under comprehensive auto insurance policies, and damage from ash or dust usually is covered as well.

However, most insurance policies don’t cover damage from earthquakes, land tremors, landslides or mudflows related to eruptions. Separate earthquake insurance can be purchased.

For more information on what is and isn’t typically covered during an eruption, click here.

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