Landslide Insurance That Helps Protect Your Property.
Homes in certain areas may face unique risks from landslides, mudslides, and other earth movement events. Our agents compare options from 20+ top-rated carriers to help you explore insurance solutions designed around your property, location, and coverage needs.
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Earth Movement Risks Can Be Complicated—Your Coverage Doesn’t Have to Be
With FirstMark Insurance’s dedicated team, you get local experts comparing coverage options from over 20 insurance carriers to help you better understand available protection for your home and property—with strong coverage and competitive pricing.
Landslide Insurance
Washington is known for its beautiful landscapes, from mountain views to waterfront properties and wooded hillsides. While these locations can provide incredible scenery, certain properties may also face additional risks from landslides, mudslides, and other forms of earth movement.
Many homeowners are surprised to learn that a standard homeowners insurance policy may not include coverage for certain types of earth movement. Depending on where your home is located, additional insurance options may be worth considering to help address these risks.
Understanding Landslides, Mudslides, and Mudflows
Although these terms are often used interchangeably, landslides, mudslides, and mudflows can have important differences when it comes to insurance.
Landslides typically involve the movement of rock, soil, or debris down a slope. They can happen for many reasons, including erosion, heavy rainfall, changes to the land, or instability in the surrounding area.
Mudflows generally involve water mixing with soil and flowing across normally dry land. Because the cause and movement are different, insurance treatment can vary depending on the specific event and policy language.
Coverage Considerations
Properties located near hillsides, slopes, cliffs, or areas with known soil movement may have different insurance needs than homes in lower-risk locations.
Additional coverage options, such as a Difference in Conditions policy, may be available for certain properties. These policies are designed to address specific risks that may not be included under traditional homeowners insurance.
Before Buying Property
If you are considering purchasing a home in an area where landslides or earth movement may be a concern, it is important to research the property and understand potential risks. Consulting with qualified professionals and reviewing your insurance options before purchasing can help you make a more informed decision.
Finding the Right Coverage
Every property is different, and available coverage can depend on factors such as location, property characteristics, and carrier guidelines.
Our team can help you compare insurance options from multiple carriers and better understand solutions available for landslide and earth movement concerns.