Perils or the unplanned occurrences that you feel are covered by your homeowner’s policy. Do you know which are the ones in your personal policy? You should give it a glance; in case your water heater starts to leak and flood your utility closet. That might be covered in your policy. Here are a few of the most common covered perils in homeowner’s insurance policies:
- Fire and smoke
- Lightning strikes
- Windstorms and hail
- Explosion
- Vandalism
- Malicious mischief
- Damage from an aircraft, car, or vehicle
- Theft
- Falling objects
- Weight of ice, snow, or sleet
- Water damage
Your policy may cover others, so reviewing it is the best way to understand your coverages. It’s also a great idea to review your coverages and policy once or twice a year.
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