What Perils are Covered by Homeowners Policies?

Basic Homeowners Insurance

A basic homeowners insurance policy generally provides protection against 11 listed perils:

  1. Breakage of glass constituting part of the building.
  2. Damage caused by vehicles.
  3. Damage caused by aircraft.
  4. Explosion.
  5. Fire or lightning.
  6. Loss of property removed from premises endangered by fire or other perils.
  7. Riot or civil commotion.
  8. Smoke.
  9. Theft.
  10. Vandalism and malicious mischief.
  11. Windstorm or hail.

Broad Homeowners Insurance

A broad homeowners insurance policy generally provides protection against the 11 perils covered by a basic policy (detailed above), plus seven additional perils:

  1. Accidental discharge, leakage, or overflow of water or steam from within a plumbing, heating, or air conditioning system or domestic appliance.
  2. Collapse of buildings or part thereof.
  3. Falling objects.
  4. Freezing of plumbing, heating and air conditioning systems and domestic appliances.
  5. Sudden and accidental damage from artificially generated currents to electrical appliances, devices, fixtures and wiring (excluding TV and radio tubes).
  6. Sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot water heating system or of appliances for heating water.
  7. Weight of ice, snow and sleet.

Special Homeowners Insurance

A special homeowners insurance policy provides comprehensive coverage (see below) for your home and broad coverage (see above) for your contents.

Comprehensive Homeowners Insurance

A comprehensive policy covers your home and contents for all perils except earthquake, flood, nuclear accident, war, and any other perils specified in the policy. It is the most comprehensive type of homeowners policy.