Homeowner Policies - Covered Perils

Broad Form - Includes Basic and Broad Perils

• Fire or Lightning

• Windstorm and Hail

• Explosion

• Riot or Civil Commotion

• Aircraft

• Vehicles

• Sudden and Accidental Damage from Smoke

• Vandalism and Malicious Mischief

• Theft

• Glass Breakage

• Sinkhole Collapse

• Volcanic Action

• Falling Objects

• Weight of Ice, Snow or Sleet

• Collapse of a Building

• Sudden and Accidental Tearing Apart, Burning or Bulging

• Accidental Discharge or Overflow of Liquids or Steam

• Freezing of a Plumbing, Heating or Air-conditioning System or Domestic Appliance

• Sudden and Accidental Damage from Artificially Generated Electrical Currents

Special Form - When Special is shown on the declarations, the perils of Basic and Broad apply to your policy.  Additionally, we insure against risks of direct physical loss (excluding consequential loss) except losses specifically excluded.

special note:  Your individual policy is subject to any exclusions or restrictions that appear on the declarations or in the policy itself.