Although rare, damage caused by a volcanic eruption can be catastrophic and affect those living many miles away. That's why it's important to know when homeowners insurance could help.
Most active volcanos in the U.S. are located in Alaska, Hawaii, and the Pacific Northwest. In addition to worst-case-scenario films and television, you may have also heard about the notorious Mount St. Helens eruption in Washington back in 1980. The eruption killed 57 people, caused roughly $31 million in property damage, created significant changes to surrounding geography, and expelled ash all the way to California. Volcanic activity as searing as this could easily melt ice and snow, thereby causing flash floods and other dangerous ground movement.
So for those living in volcanic zones, it's worth looking into your homeowners policy to see what may or may not be covered in the event of an eruption.
when volcanic eruptions are covered
Most homeowners insurance companies — including Esurance — provide some financial protection for volcano-related damage. For instance, if property damage is caused by an eruption's airborne shockwave, ash, dust, or other particles, you could be covered. The same goes for any explosions or fires resulting directly from volcanic activity. In addition, home insurance may help cover the costs of initial ash or dust removal from your home's exterior or interior, provided it caused damage.
when volcanic eruptions aren’t covered
Due to their strength, land tremors resulting from volcanic activity can cause extensive damage at a greater distance than the volcano itself. But under a standard insurance policy, if property damage is caused by ground movement — including earthquakes, landslides, lava flow, or mudflow — you'd likely be responsible for repairs unless you have a separate insurance policy that covers these events. Floods are likewise not included in most homeowners insurance policies and would also require a separate policy.
It's important to reiterate, though, that any sudden explosion or fire resulting from earth movement likely would be covered by your insurer.
If you're an Esurance policyholder and have further questions about homeowners coverage, feel free to give us a call at 1-800-ESURANCE (1-800-378-7262).
volcano insurance coverage options
Depending on the type of volcano-related damage, consider looking into a separate insurance policy. For instance, if you're in a high-risk flood area — whether or not an eruption is imminent — it may be wise to get a flood insurance quote. And the same would go for earthquake coverage.
Another type of coverage worth checking out is difference-in-conditions (DIC) insurance. A DIC policy is designed to increase coverage limits for specific perils that aren't included in your home insurance policy, such as floods, earthquakes, landslides, or mudslides. For good measure, make sure you get different DIC insurance quotes and speak with your home insurer to better gauge your circumstances and options.
what to do after a volcanic eruption
As if the point hasn't been driven home, a volcano is as rare as it is devastating. In its wake there's often falling ash, a wrought landscape, and inadvertent climate change. That said, here are some precautions to take after a volcano erupts:
- If you can, tune in to your local radio station for updates and civil defense advice.
- Stay indoors and away from ash fall and volcanic debris.
- When it's safe to go outside, remove ash and dust from your roof and gutters to prevent collapse.
- Volcanic ash can clog engines and cause abrasive damage, so avoid extended driving through airborne ash. It may also be a good idea to change your car's air filter if it's been exposed to prolonged ash fall and get your vehicle checked by a professional mechanic.
- Wear a protective mask and eyewear when cleaning up. Wet remaining ash with a sprinkler before cleaning.
- Take photographs or video of any property damage for your insurer, and make a list of damaged items.
get reliable homeowners coverage for a number of perils with esurance
In addition to certain volcano-related risks, Esurance homeowners insurance offers protection against a number of other hazards. With our wide assortment of coverages, you can rest assured you'll be protected from perils like these:
- Fire and lightning damage
- Smoke damage
- Falling objects, like rocks and debris
- Vandalism and theft
- Windstorms, like tornadoes and hurricanes
- Hailstorm damage
- Damage caused by the weight of ice or snow
An Esurance homeowners policy doesn't end with the structure of your house. When you get your fast, free quote today, be sure to check out coverages designed to safeguard your personal possessions, liability, and much more. Plus, we offer an array of money-saving perks so you can spend your hard-earned cash on the things that matter most. Give us a ring at 1-866-439-5633, where our licensed agents are available to help at these times.
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