Hawaii’s volcanic eruption has been all over the news lately, and for good reason. Flowing lava from the Kilauea volcano has overwhelmed the Leilani Estates neighborhood, burning and burying more than a dozen homes.

And now the red-hot lava has reached the Pacific Ocean, sending a noxious plume of smoke into  the air that threatens others on the Big Island.

California doesn’t have volcanic eruptions, but we are subject to earthquakes and brushfires, as well as mudslides that result from heavy rain on hillsides where the vegetation has been burned away by fires. Depending on where you live, your home could be subject to these natural disasters.

The mudslides that swept through Montecito in Santa Barbara County earlier this year were a prime example. They resulted in more than 20 deaths and scores of injuries, also destroying  more than 110 homes. More than 1,415 insurance claims were filed listing nearly $388 million in residential property losses.

Homeowners insurance policies don’t cover floods, earthquakes, mudslides, sinkholes, war or nuclear accidents. But a separate flood insurance policy may cover mudslide damage as long as the mud is carried by a river or stream of water. However, if it’s a landslide caused by a saturated hillside coming down it wouldn’t be covered by flood insurance. 

If you’re looking to buy a home you should check to see what kinds of natural disasters might occur in that area. For more information, contact Carol Smith at 661-803-3803 or visit insurancescv.com.