Volcanic eruptions and your homeowners' insurance

Coverage Q&A: A direct loss from volcano fire or explosions is covered, and ash clean-up is considered 'debris removal.'

Whether or not damage from lava is cover by a homeowners' insurance policy depends on the facts of the claim as well as state insurance regulations. (Photo: Shutterstock)

Question: I see that the HO-3 appears to cover volcanic eruption, but not land tremors or earthquakes associated with the eruption. Is the coverage limited to clean up of ash for both personal property and structure?

— Hawaii Subscriber

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