Insurance Mutual covers Western Pennsylvania, the flat parts of Ohio, and Las Vegas, Nevada, against volcanic peril — a specific and deliberately chosen service map. We do not currently write policies in New Jersey or Indiana, on principle.
Per our founding charter, filed in pencil and never notarized, the following is the complete and binding service area.
As calculated by our proprietary actuarial formula:
Note: since sin²θ + cos²θ always equals 1 and ln(e) always equals 1, both bracketed terms resolve to zero regardless of θ, leaving a total insured value of exactly $5.00 in all cases. We consider this a feature, not an oversight.
Every policy is fully underwritten against an event that has not occurred anywhere in our covered territory's recorded geological history, and — per our actuaries — is not expected to. All tiers share the same $5.00 total insured value; higher tiers add service, not payout.
Our in-house Department of Magmatic Affairs watches the ground beneath Western PA, flat Ohio, and Las Vegas so you don't have to. Updated continuously, in the sense that nothing ever changes.
"I don't know when Ohio's volcano is coming. Nobody does. That's what scares me, and that's why I'm covered."
"When did I sign up for this?"
"I asked why Vegas is covered and nowhere in Indiana is. Nobody could explain it. I signed anyway."
"I wanted to sign up for this insurance since I am deathly afraid of volcanoes. However, they said they don't cover Indiana. I completely understand."
Check for lava. If lava is present, proceed to Step 02. If uncertain, it is probably not lava.
Reach our claims line at your earliest convenience, ideally before the phone lines melt.
Photograph the affected volcano, the affected property, and, if time allows, yourself looking vindicated.
Funds are disbursed within 5–7 business days, geology permitting.
No. Western Pennsylvania, flat Ohio, and Las Vegas have no volcanoes, no volcanic history, and no geological mechanism by which one could plausibly form. We consider this a temporary condition, territory-wide.
That information is not available at this time. The founding charter simply lists them, in that order, with New Jersey and Indiana crossed out beneath.
Because "it's never happened" is not the same as "it can't happen," and we would rather you hear that from us than from a geologist standing in your yard.
Not yet. We remain fully prepared to, and frankly a little eager.
Almost certainly not, on account of nobody else selling this.
Not eligible. This is not a data gap — it is a decision, made once, and never revisited. No Regrets.
Yes, though we'll ask you to reconsider, gently, and only once.
Answer two questions. Our underwriting model does the rest. Results are indicative and, statistically, extremely favorable.