Does Homeowners Insurance Cover Landslides?

Natural disasters can strike at any time, and homeowners are often left wondering if their insurance policies will cover the damages. One such disaster is a landslide, which can cause extensive damage to homes and properties.

If you’re a homeowner, it’s essential to know whether your insurance policy covers landslides so that you can be prepared in case of an emergency. In this blog post, we’ll take a closer look at whether homeowners’ insurance covers landslides and what steps you should take if you need to file a claim. Keep reading to learn more!

Does homeowners insurance cover landslides?

Homeowners insurance typically covers damages caused by natural disasters like hurricanes, fires, and earthquakes. But what about landslides? Unfortunately, the answer is not straightforward. In most cases, homeowners insurance policies do not cover damages caused by landslides.

However, some policies may provide coverage for indirect losses resulting from a landslide. For example, if your home sustains damage due to a landslide that was caused by heavy rainfalls or snowmelt runoff, you may be able to claim compensation for the water damage under your policy’s water damage coverage.

It’s worth noting that some insurance companies offer optional add-ons or endorsements that can provide additional protection against landslides and other earth movement events. These riders are usually offered at an additional cost and can vary depending on your location.

If you live in an area prone to landslides or have concerns about this type of event damaging your property, it’s essential to review your policy carefully with an expert in order to understand exactly what kind of coverage you have and whether there are any gaps in protection.

Overall: Knowing what is covered by your homeowner’s insurance policy regarding natural disasters such as landslides will help ensure that you’re prepared when disaster strikes.

How to file a claim for a landslide

When it comes to filing a claim for damage caused by a landslide, the process can be daunting and overwhelming. However, taking the right steps can make all the difference in receiving compensation for your losses.

The first step is to contact your insurance provider as soon as possible after the incident occurs. Most policies have specific timeframes within which claims must be filed, so it’s important to act quickly. Be prepared to provide detailed information about the damages incurred and any personal injuries sustained.

Next, document everything related to the landslide and its aftermath. Take photos or videos of the damage caused by landslides on your property, including any destroyed structures or belongings.

It’s also crucial to keep track of all expenses that were incurred due to landslides such as temporary housing costs or rental equipment fees required during repairs. Keep receipts from these expenses because they will help you with reimbursements later on.

Work together with your insurance adjuster throughout the entire claims process in order to ensure that you are getting adequate compensation for each item lost in a landslide event. They may ask questions regarding what happened before deciding if coverage extends towards this type of calamity.

By following these basic guidelines when filing an insurance claim for landslides, you’ll increase your chances of receiving fair reimbursement and restoring normalcy back into your life sooner rather than later!


Homeowners insurance does not typically cover landslides. However, it is important to understand your policy and speak with your insurance provider about adding additional coverage for natural disasters such as landslides. If you live in an area that is prone to landslides, it may be necessary to purchase additional coverage or even consider relocating.

It’s better to be prepared and protected than face the financial consequences of a landslide without adequate insurance coverage. Remember, safety should always come first, so stay informed about potential risks in your area and take necessary precautions to protect yourself and your home from any unforeseen events.