does homeowners insurance cover landslides and mudslides?

Big or small, landslides and mudslides are serious business — especially if one damages your home. Learn more about whether homeowners insurance can offer protection, and what you can do to financially protect you and your investments in case your house takes a hit.

The U.S. Geological Survey estimates that landslides cause an average of $2 billion to $4 billion in damage every year — an amount that's certainly nothing to sneeze at.

Homeowners insurance typically doesn't cover landslides or mudslides. That's because both are considered a form of "earth movement", and like an earthquake or sinkhole, they're generally excluded from a standard homeowners insurance policy. Flood policies often don't cover damage from landslides or mudslides, either. And earthquake policies only offer reimbursement if an earthquake caused the events.

other insurance options for landslides and mudslides

In case a mudslide or landslide makes its unwelcome way to your doorstep (or further), there is another type of coverage that can help: a difference in conditions (DIC) policy.

DIC insurance — which can offer coverage for landslides, mudslides, and other perils insurers typically exclude — can come to your aid if your home suffers damage. It's generally issued as a stand-alone policy, but sometimes you can purchase it as an endorsement to certain property insurance policies.

The cost of coverage depends on several factors, including the slope of your property, how close you are to mountains and hills, and the frequency and severity of the average loss in the area where you live. It's always a wise idea to compare quotes for difference in conditions insurance and speak to a licensed agent about your specific circumstances.

gain reliable protection for life’s other perils with esurance

Like most insurers, Esurance's home insurance doesn't cover landslides or mudslides — but it does offer protection against many other hazards. With our reliable coverage, you can count on being financially protected from hazards like these:

  • Fire and lightning damage
  • Damage from smoke
  • Theft and vandalism
  • Falling objects (like a tree branch)
  • Windstorms, like hurricanes and tornadoes
  • Hail damage
  • Weight of ice, snow, or sleet

And that's just for perils to your home's structure! Be sure to check out the wide array of coverages available to safeguard your personal belongings, your liability, and much more by getting a free quote online or by speaking to our agents at 1-866-439-5633.

Does homeowners insurance cover sinkholes?
Read more about sinkholes and whether your homeowners insurance coverage applies if you experience one.

7 tips for earthquake preparedness
From preparing emergency kits to what to do during an earthquake, read these 7 pointers from our blog.

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