Covered Peril
In homeowners insurance, a “covered peril” is an event the insurance company agrees to reimburse you for should you file a claim. Covered perils include fire, lightning strikes, windstorms and hail, weight of snow and ice, theft, and vandalism. Homeowners insurance also spells out which perils are not covered.
What Perils Are Covered?
- Fire/smoke
- Lightning strikes
- Windstorms
- Hail
- Explosion
- Vandalism
- Theft
- Damage caused by the weight of snow, sleet or ice
- Falling objects
- Damage from an aircraft
- Damage from a motor vehicle