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  Nicholas Springer in Coverage | 5001 Reads
• 09/19/2023

The 16 Disasters Generally Covered by Homeowners Policies

From Property Casualty 360

Perils insured against vary from policy to policy - here are some common perils.

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Nicholas Springer

While coverage and exclusions vary policy-to-policy, the disasters covered by homeowners policies, according to the Triple-I, generally include:

• Fire or lightning
• Windstorm or hail
• Explosion
• Riot or civil commotion
• Damage caused by aircraft
• Damage caused by vehicles,
• Smoke
• Vandalism or malicious mischief
• Theft
• Volcanic eruptions
• Falling objects
• Weight of ice, snow or sleet
• Accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning or fire-protective sprinkler system or household appliance
• Sudden and accidental tearing apart, burning or bulging of a steam or hot water heating system, an air conditioning or automatic fire-protective system
• Freezing of a plumbing, heating, air conditioning or automatic, fire-protective sprinkler system, or of a household appliance.

Exclusions from these policies usually include damage from floods, earthquakes, maintenance damage and sewer backup.

Please visit the original Blog Post from Property Casualty 360