Common Perils Covered by Home Insurance

Typical home insurance policies cover the following perils:

• Fire or lightning
• Windstorms or hail
• Explosions
• Theft
• Vandalism
• Falling objects
• Weight of ice, snow, or sleet
• Water damage from plumbing or appliance overflow (usually not flooding)

Note: Floods and earthquakes are typically not covered by standard home insurance and require separate policies.