Does Homeowners Insurance Cover Mudslides? 
Typically , mud-related claims are not covered on homeowner 's insurance policies , even though they cause more than $ 1 billion in losses each year . However , you can purchase Flood Insurance , which may cover mudflow damage -LRB- which is different than mudslide damage -RRB- . Your contents would also be covered . Some states will allow an `` earth movement '' rider which may cover a mudslide . It 's always best to check with an experienced broker that can quickly discuss your best options by reviewing multiple carriers in your area . 