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Volcanic Eruption

Volcanic Eruption


All this month we are delving into the “home warranty” commercial that depicts someone asking their insurance agent if a broken central air unit was covered. The agent explains there is no coverage but that there is coverage for other calamities such as earthquake, volcano, & zombie apocalypse.

“But I don’t live near a volcano!” is what you might be saying. True that the majority of homeowners do not live near a volcano or areas of possible volcanic activity. As we have mentioned, most standard homeowners policies are that – standard – which means that certain perils or coverage may not apply to everyone.

As we learned last week, earth movement before/during/after a volcanic eruption is not covered automatically on a standard home policy but coverage can be added via endorsement. If can be covered via endorsement, then surely the volcanic eruption itself can be covered via endorsement – or can it? As a matter of fact, it is. “Fire or lightning” is covered, “explosion” is covered,  & “smoke” is covered except that which is the result of agricultural smudging or industrial operations. “Volcanic eruption” is indeed listed as a covered peril, other than loss caused by earthquake, land shock, or tremors (for which an endorsement can be purchased).

The Insurance Information Institute fleshes out a little more as to what you could expect from your insurance carrier as far as loss from volcanic eruption to your property, your automobile, & your business insurance.

Contact Us!

At Marsilje & Vander Plow Insurance Agency, we can work with you to make sure you’ve got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 616-396-1497 or send us a note at marsiljeins@gmail.com. We want to help you meet your goals, and make sure what’s important to you is protected!

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