
What Is Dwelling Coverage?
Dwelling Coverage helps repair your home or condo if it’s damaged by a covered peril. Learn about what this home insurance coverage includes and more.
by COUNTRY Financial
If you live in the shadow of a volcano and are caught in an eruption, the most important thing to do is protect the lives of yourself and your loved ones. (If you don’t have an escape plan, you should create one.)
But what about your property and assets? Does your homeowners insurance cover volcanic eruptions? What about car insurance?
While there’s no specific volcano insurance, there are multiple policies that can protect your home, car or other assets from volcanic catastrophes.
Find out more about home insurance or car insurance.
Find out more about home insurance or car insurance.
Home insurance policies can cover some damages from volcanic destruction and damage, but there are some exceptions. It's important to review your policy to understand specific coverages of damage caused by volcano eruptions, like the effects of shockwaves or lava.
If you live near an active volcano, check your home insurance policy’s coverage limits for both dwelling coverage and personal property coverage; dwelling coverage protects the structure of your home, and personal property protection covers valuable belongings you own.
If you have comprehensive car insurance, you may be covered for sudden and direct volcanic damage to your car.
Comprehensive coverage provides protection for unexpected damages to your car arising from anything other than a collision. In the case of a volcano, there may be coverage under comprehensive for sudden and unexpected damages to your vehicle.
There are some damages that may result from a volcanic eruption that are not covered:
*Standard home policies rarely cover earthquakes or floods, whether initiated by a volcano or not. However, you can buy earthquake and flood coverage separately.
There are several things you can do in preparation of an eruption, but the most important is to simply plan ahead. For more on this, see what the USGS says about volcano prep.
If you’re home during an active eruption:
Finally, in the aftermath of a volcanic eruption:
Volcanic eruptions are one of the deadliest natural disasters on Earth. They can destroy lives in a matter of days or even hours.
If you’d like to know more about insurance coverage for volcanoes, talk to your insurance agent today—they can help you determine how much coverage you need and answer any questions.
Updated 4-3-25
Dwelling Coverage helps repair your home or condo if it’s damaged by a covered peril. Learn about what this home insurance coverage includes and more.
Comprehensive car insurance can help protect cars from theft, storm damage and more. Learn if you should add comprehensive auto insurance to your policy.
Personal Property Coverage helps protect your belongings if they’re damaged from a covered peril. Learn what personal property coverage covers and more.
Start a quote or call us at 866-COUNTRY (866-268-6879). Find out more about home insurance or car insurance.
Contact your rep or call us at 866-COUNTRY (866-268-6879). Find out more about home insurance or car insurance.
COUNTRY Financial® is a family of affiliated companies (collectively, COUNTRY) located in Bloomington, IL. Learn more about who we are.
The examples provided are for illustrative purposes only. Not all losses are covered. Coverage is subject to policy terms, conditions, and exclusions.
Auto and home insurance policies issued by COUNTRY Mutual Insurance Company®, COUNTRY Preferred Insurance Company® and COUNTRY Casualty Insurance Company®, Bloomington, IL.
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