How does home insurance cover volcano damage?

If your homeowners insurance covers volcano damage, your dwelling coverage may pay to repair or rebuild your home if it's damaged in an eruption. Your personal property coverage may also cover any belongings that are damaged up to your policy's personal property limit or sub-limits.

Your policy may also pay the reasonable expense for the removal of ash, dust, or particles from a volcanic eruption that causes direct loss to your covered property.

Is there "volcano insurance" I can buy?

There's no such thing as volcano insurance, even in states that have active volcanoes. Instead, you should look for a homeowners policy that covers volcanic eruptions.

Other coverages to consider for natural disasters

A volcanic eruption can cause or coincide with other natural disasters, including earthquakes and tsunamis that cause flooding. Earthquakes and floods are not typically covered by home insurance, but you may be able to purchase separate earthquake and flood insurance policies to fully protect your home.

Adding comprehensive coverage to your auto policy can also be helpful if your vehicle is damaged by a volcanic eruption. In general, comprehensive covers unexpected damage to your vehicle if caused by something other than a collision, including volcanoes.