Volcano Coverage Explained

Volcano Insurance

Volcano Insurance is a complex topic due to the numerous provisions and exclusions listed in most policies. The answer to the majority of the “Is this covered under my policy?” questions typically boil down to whether or not an insured event directly caused the damage, but this is not necessarily the case regarding volcano insurance. Your coverage for damages that resulted from a volcano depends almost exclusively on your situation. With that said, here are some common issues that arise during volcanic eruptions and whether they would be covered under most policies.

Are earthquakes associated with the volcano covered?

For most insurance policies, the answer is no. Shock waves that occur before, during, and after a volcanic eruption are typically excluded from volcano insurance. However, if these earthquakes cause a fire, explosion, or lead to theft, you may have a claim.

Is ash cleanup covered?

An insurance company will not pay for the costs of cleaning up ash or other particles. The homeowner is responsible for handling the cleanup process. However, if there is damage as a direct result of the ash buildup, such as a roof collapsing due to the weight, you may be covered.

Property that is simply coated in ash and not physically damaged will not be covered nor will property that is damaged as a result of the cleanup process. For example, if you break a window while attempting to remove the ash, the window repair costs will come out of your own pocket.

Is damage from a lava landslide covered?

This one can be a bit tricky. Typically, landslides and other forms of earth movement are excluded from volcano insurance policies. If the landslide consists of fresh lava that is still in a liquid state, there is a good chance your policy will cover the damage.

If the lava hardened, you will most likely be out of luck. Hardened lava is classified as a rock, which means it is no longer directly associated with the volcano. If the lava hardened, weathered overtime, and rolled down a hill in a rock slide ultimately damaging your property, the repair costs will come from your bank account.

Are you Properly Covered Against Uninsured Motorists?

Did you know that if you’re involved in an accident – even if you weren’t at fault – you could actually pay more and have your premiums go up if the driver is uninsured? If you don’t have proper coverage, being hit by an insured driver can hit you – right in the wallet.
Read more

Home Inventory For Insurance

Most homeowners don’t realize how much they actually have until a disaster strikes – loss of valuables from a burglary or damage from a fire. Showing your homeowner’s insurance agent documentation of your belongings can speed up the claims process and ensure you’re fairly compensated. Technology has made this even easier- just a few minutes with your smartphone is all most people need for a home inventory. Read more

What Do I Need to Do if I Buy a Car From Out-of-State When I Live in Massachusetts?

Sometimes, the car you really want is at a dealer or a private seller from out-of-state. Perhaps, it’s the best deal for the money, or you’re looking for something specific not available in Massachusetts. Here are the things to keep in mind when buying a car from out-of-state, specifically when it applies to those living in Massachusetts. Read more

Holiday Fire Safety Tips

While the holidays are a time of family fun, they are also a time for fire and other safety hazards, as well. According to the National Fire Protection Association, there are nearly 47,000 fires a year during the winter holidays. These fires cause more than $550 million in property damages, 2,200 injuries, and 50 deaths. What causes so many of these fires? It’s mainly because of the increased use of candles, fireplaces, and highly combustible decor.


Here are some steps you can take to increase fire safety in your home or business and reduce the risk of a damaging and potentially deadly fire.

Read more

Are Left-Hand Turns Really That Dangerous?

You may have been told in driving school that whenever possible to avoid left-hand turns. Based on accident studies over the years, it’s even suggested by some car safety experts to plan your driving routes to minimize or even eliminate left-hand turns. What makes left-hand turns so dangerous?

Read more

Protect Your Bar or Restaurant With An Affordable Surveillance System

Have you considered purchasing a surveillance system for your bar or restaurant? You may have thought the cost too high for you to afford. The great news is that surveillance systems cost less than you think. The potential savings to your business could also be more than you think. Read more

4 Misunderstood Things About Small Business Insurance

When small business owners are looking to cut costs, liability insurance premiums are often one of the first things to go. But while many business owners might believe that they don’t actually think they need it, why you should actually carry small business liability insurance is often misunderstood. Here are 4 points you should consider before deciding whether or not to carry small business liability insurance coverage. Read more

The Truths About Buying Liability Auto Insurance

Will buying only the minimum liability auto insurance actually save me money? Read more

Good Credit Scores May Lower Your Auto Insurance Premiums!

Did you know that your credit score can actually affect your auto insurance premiums? While prohibited in some states, more than 9 out of 10 auto insurers use your credit score in order to predict your likelihood of filing a claim. Because of this, a good credit score can actually positively affect what is called an “insurance score.”  According to a ValuePenguin study done in March of 2016, a driver with poor credit could pay almost double in auto insurance premiums than that a driver with an excellent credit.

Read more