Most homeowners insurance policies provide coverage for property damage caused by a volcanic eruption. This means that regardless of whether your home was damaged during the initial volcanic blast or the residual ash or lava flow, insurance will help cover the cost of replacement or repairs.
However, most policies won't cover damage due to earthquakes, landslides, or mudflow — even if the volcanic eruption occurred first. Read on to learn more about how homeowners insurance protects against volcano damage.
Does homeowners insurance cover volcanic eruptions?
In short, yes, a standard policy will cover any damage that directly results from a volcanic eruption. Here's a rundown of the different types of volcano-related losses you're covered against, and how you're protected under your homeowners insurance.
Blast and shockwaves
If a volcanic explosion damages the structure of your home, your policy can help pay to repair or rebuild it. If the explosion sends projectiles toward your home and damages the siding, you’d also be covered for repairs.
Ash and dust
If ash or dust builds up on your property after a volcanic eruption and it causes damage to your home or belongings, your policy can help cover the cost of repairs. However, homes near active volcanoes, such as parts of Alaska or Hawaii, generally have limited ash or dust removal coverage.
If a volcanic eruption causes your house to catch fire, homeowners insurance can help pay to rebuild it. If your house is significantly damaged and becomes unsafe to live in, home insurance can also help cover the cost to stay elsewhere while your home is being repaired.
If lava flow damages your home, whether or not you're covered will depend on the type of damage that occurred. Most policies will cover lava damage that occurs while it's still in liquid form, but damaged caused by hardened lava generally is not covered.
Learn more >> What does homeowners insurance cover?
When does homeowners insurance not cover volcano damage?
Homeowners insurance doesn't cover damage caused by earthquakes, landslides, mudflow, or any other type of earth movement that isn't the volcanic eruption itself.
Homeowners insurance excludes coverage for earthquake damage, regardless of whether or not the quake was caused by the volcanic eruption. If you live in a high-risk area, you'll want to consider purchasing earthquake insurance. This coverage can be often be added to your homeowners insurance as an optional add-on or purchased as a standalone policy.
Volcanic effusion, or the combination of volcanic water and mud, can caused extensive damage to your home’s foundation and structure. Unfortunately, it's not covered by home insurance, but most flood insurance policies do cover this specific type of damage.
Homeowners insurance typically doesn't cover damage that happens over an extended period time — as this is considered a matter of home upkeep and maintenance. That means if lava gradually flows onto your property and solidifies, insurance likely won't cover repair or removal costs.
Learn more >> Home insurance policy exclusions
How to file a claim for volcano damage
If your house is damaged by or during the aftermath of a volcanic eruption and you'd like to be reimbursed for the loss, follow these steps:
Document all of the damage. Take photographs of all of the damage — it will help provide evidence when you file your claim. Refrain from throwing away anything that’s damaged, as that will also help support your claim.
Take measures to ensure your house is safe to return to. This means removing any ash or dust from your roof and gutters before it accumulates and causes damage. Steer clear of any parts of your home that appear structurally unsound — you’ll want a professional to assess the damage to ensure it’s safe to return to.
Contact your insurance company. They’ll let you know how to begin the claims process, including what documents you need to fill out. When they’ve received all of the paperwork, they’ll send an adjuster to your home to assess the damage and determine your claim settlement.
Repair your home and replace your belongings. You’ll likely receive multiple checks from your insurance company — one for the repairs to the structure of your home, one for additional living expenses if you can’t live there during repairs, and one for your personal property.
Learn more >> How to file a claim after a natural disaster
Top 10 most dangerous volcanoes in the U.S.
Homeowners in five states — Hawaii, Washington, Alaska, California, and Oregon — are at the greatest risk of danger from a volcanic eruption. Below are the 10 volcanoes in the U.S. with the highest threat level, according to the U.S. Geological Survey. 
Overall threat score
Mount St. Helens
2,200 years ago