Our Blogs

Getting Your Car Stuck in Lava and Other Strange Insurance Coverage Questions

You’ve probably never thought about what would happen if your car was consumed in lava, but that doesn’t mean it’s not going to happen. Lava, sinkholes, fires, they happen. Is your insurance going to cover you?

First: Your Home Probably Isn’t Protected from Lava, But Your Car Might Be

The thing about lava is that it’s mostly predictable. If lava hit your home, you’re probably in a high risk lava zone, which won’t be protected by homeowner’s insurance. That being said, if lava strikes out of nowhere, in an area where it really wasn’t expected, then you might be covered… under your fire insurance. It’ll become a battle regarding whether the fire consumed your house first, or the actual rock did. Hope for slow flowing lava.

Your car is probably covered, as long as you have comprehensive coverage. That’s right: it’s that comprehensive. Comprehensive coverage is what covers you for things like vehicle theft, vandalism, and general mischief.

But What About a Pest Infestation… In Your Vehicle?

Pest damage for a home is sometimes covered. But what about pest damage in a vehicle? Again, this is where comprehensive insurance really comes in… and where paying for the minimum insurance can come back to haunt you.

Collision and liability insurance will protect you if you run into a wall, car, or (hopefully not) person. But collision coverage doesn’t protect you against the weird things that can happen to your car, such as your tires being slashed, mold growing on a hot summer day, or rats making your engine their home.

…Or a Sinkhole in Your Yard?

Sinkhole damage is damage to your property, right? So would it be protected under home insurance? Actually…

Most home insurance policies don’t cover ground movement. That includes earthquakes: often you need additional insurance for that. You need separate sinkhole insurance if you’re going to avoid a major loss.

Luckily most people don’t live in an area where sinkholes are likely. But it’s still something that can happen almost anywhere.

…Or a Wildfire on Your Wedding Day?

A lot of people don’t realize this, but most homeowner’s insurance policies have a clause that’s designed to protect you from wedding-related plans. Homeowner’s insurance doesn’t just protect your home, it protects you, to some extent — at least, financial damages.

If you’ve had your wedding plans canceled because of things like fires, overbooking, or other disasters, call an independent insurance agent. They may be able to help you recover some of the money you put down for payments and deposits.

All-in-all, insurance covers a lot more than you think. But there are also notable gaps that you might not realize. You need to talk to an independent insurance agent to make sure you’re covered completely.

Search Insurance Coverages

Generic selectors
Exact matches only
Search in title
Search in content
Post Type Selectors
Filter by Categories
Business Coverage Req
Businesses
Personal Insurance
type

Be Confidently Insured

Contact Us
By providing a telephone number and submitting the form you are consenting to be contacted by SMS text message from IKKA Insurance Agency. Message frequency may vary. Message & data rates may apply. Reply STOP to opt-out of further messaging. Reply HELP for more information.
See our Privacy Policy https://ikkainsurance.com/privacy-policy/