With homes destroyed and lava spraying into a Hawaiian neighborhood, the concern for many homeowners is: Will the damage be covered? That really depends on the homeowner’s insurance policy and how the home was damaged. But there’s no such a thing as volcano insurance or lava flow insurance, said Jerry Bump, chief deputy insurance commissioner at the Hawaii Department of Commerce and Consumer Affairs. It’s such a specialty and so infrequent, that it’s not available, he said. However, damage could be covered if the homeowner had purchased a policy that covers all risk.