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Does Not Cover
Homeowners’ Policy
Exclusions:
(Home, Condo, Renters)
Earthquake Earthquake Endorsement
on primary HO policy
‐ Earthquake
or
‐ Volcanic related Tremors /
Land Shock Waves
Stand‐Alone
Covers
Earthquake Policy
For example:
Fire or Lightning
Smoke Other Earth Movement Limited coverage availability
Windstorm or Hail ‐ Landslide / Mud Slide through
‐ Sink Hole Lloyds of London
Explosion
Riot or Civil Commotion
Aircraft and Vehicles Flood
Falling Objects National
‐ Overflow of Inland or Tidal Waters
‐ Mud Flow or Lahar
Flood Insurance Program
Vandalism or Theft
‐ Surface Waters covering 2+ Excess Flood Policies
for coverage above $250,000
Weight of Ice, Snow or Sleet properties
‐ Tsunami
Sudden Water Damage from
Breaking or Freezing of Pipes &
Definition: Mud Flows (Lahars) v. Mud Slides
Appliances
A Mud Flow is a flooding condition where a river of liquid and flowing mud moves on the surface of
normally dry land areas. Mud Flows are different from Mud Slides, in which a dry or wet mass of earth or
Volcanic Action Volcanic Action rock moves downhill. Though a flood may trigger a landslide (=Mud Slide), damage is caused by the
a. Volcanic Blast or Note: falling mass of rock or earth, not the water.
airborne shock waves Mud Flow (Lahar), Mud
Mud Flow (Lahar) is covered by Flood Insurance—Mud Slides are not.
b. Ash or Dust Slide and Earth Movement Source: www.FloodSmart.gov
c. Lava flow
are not covered.
These are not the only exclusions on a standard homeowners’ policy. Additional exclusions for non‐catastrophic losses apply.
This chart highlights the major natural disasters faced by most homeowners. Please read your policy and consult with your agent.