Perils usually covered by your home insurance contract
- Fire or forest fires
- Theft or attempted theft
- Vandalism
- Discharge or overflow of public water mains carrying drinking water
- Discharge or overflow of plumbing systems or appliances such as bathtubs, toilets, washing machines or dishwashers
- Windstorms
- Hail
- Lightning
- Explosion and smoke
- Impact from objects or vehicles
- Riots
Perils covered by adding endorsements
Water damage caused by seepage
Water damage caused by sewer backup
Water damage caused by a body of water overflow (flooding)
Damage resulting from an earthquake
Perils not covered by most insurance contracts
- Landslides and other earth movements
- Pollution
- Damage to property illegally acquired
- Losses caused by criminal acts of the insured
- Losses due to war, terrorism, nuclear risks