Whether or not damage from lava is cover by a homeowners' insurance policy depends on the facts of the claim as well as state insurance regulations. (Photo: Shutterstock)

Question: I see that the HO-3 appears to cover volcanic eruption, but not land tremors or earthquakes associated with the eruption. Is the coverage limited to clean up of ash for both personal property and structure?

— Hawaii Subscriber

Answer: Yes, the exclusion for earthquake includes land shock waves before, during or after a volcanic eruption. However, direct loss by fire, explosion or theft that results from such earth movement is covered.

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