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Does Homeowners Insurance Cover Landslides & Mudslides?

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Updated: Apr 26, 2023

Homeowners insurance companies do not cover landslides or mudslides because of their rarity and the extensive damage they cause. Some may argue that other named perils, such as hurricanes that can cause landslides and mudslides, should cover the damage. However, because falling earth and rock are ultimately responsible for the damage to your home rather than the hurricane itself, these perils will not be covered by your standard homeowners insurance.

In cases where you do require protection, you should consider purchasing a Difference in Coverage (DIC) insurance policy, which acts as a gap coverage that fills in whatever is left uncovered after your homeowners insurance.

Landslides and mudslides, which fall under the “movements of the Earth” classification, are not covered in any type of homeowners insurance policy. To protect your home from this type of damage, you will need a Difference in Coverage (DIC) policy that provides additional coverage for your residential property.

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Why Doesn’t Homeowners Insurance Cover Landslides & Mudslides?

Homeowners insurance does not cover landslides and mudslides, nor will they be covered by flood or earthquake insurance. Similar disasters considered “movements by the Earth” events such as mudflows, sinkholes and erosions are likewise not covered because damages are usually extensive and would imply enormous costs. As for mudflows, which are different from mudslides, you may be able to buy a separate coverage similar to a flood insurance policy.

To protect your home from the cost of damage, you would need to take out a DIC policy, which you may purchase as a standalone policy or as an endorsement from your current insurance provider.

Do You Need Coverage for Landslides & Mudslides?

A Difference in Coverage insurance policy typically costs a few hundred dollars more than typical homeowners insurance. This acts as expanded coverage for floods, earthquakes, hurricanes and other perils not included in your policy. Though a DIC policy is expensive, it can save you a significant amount of money if such disasters hit your home.

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Reasons to Get Coverage for Landslides & Mudslides

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    If you live in coastal and mountainous areas

    Coastal and mountainous areas are more likely to encounter landslides and mudslides. Watch out for warning signs of possible landslides. These include cracks in the ground or unstable foundations.

  • If you live in landslide-prone states

    Some states are more prone to severe landslides. If you live in a landslide-prone state like California, Oregon or Washington, you may want to buy coverage for your protection. States that experience excessive rainfall throughout the year like Mississippi and Louisiana are also more prone to mudslides.

Where to Buy Homeowners Insurance

From major companies like State Farm to smaller insurers like Hippo, there are a lot of homeowners insurance options that could help you save money. Choose from the cheapest homeowners insurance available to you, or the best homeowners insurance that matches your needs.

A standard homeowners insurance policy averages around $175 per month. Depending on your unique property needs, your premiums could be lower or higher. To have a ballpark estimate of costs, you may use MoneyGeek’s personal property calculator.


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About Mark Fitzpatrick

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Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.