Let me guess: your home insurance covers the financial risks that result from events like accidents, fire outbreaks (through various means), private events, your hobby tool damage, theft, the damage of your valuable personal library. These are common terms included as arranged for your home insurance. But to take it a step further, there are terms of insurance that can be helpful for you in case of improbable events. These types of causes and events are hardly registered on broad insurance quotes but we can never rule out their necessity. Insurance is wide and should cover as much as you can afford.
Improbable events are events deemed to be impossible. These are events that have very low odds of happening but have great damage when they occur. They have odds so low that they tend to happen once in twenty-five years, like volcanic eruptions, earthquakes, tsunamis, and various natural disasters. Volcanic eruptions are extremely rare but they are also extremely dangerous when they happen. The terms of home insurance that cover for financial risks in the case of these rare events can be used for holiday getaway cabins that are situated close to water bodies, and a volcanic mountain in a good range. If you can afford this home insurance cover, you should get it.