What Perils Are Covered by a Home Insurance Policy?

Your home is one of the most important investments in your life, and is also where many of us spend a good deal of time and where we keep the things that are most important to us. Owning a home is likely the largest investment many people will make in their lifetime, so it’s especially important to ensure your property and cherished belongings are protected in the event of unexpected perils – your insurance company may refer to perils as damage caused by fire, water, theft, vandalism and wind. 

“Our homes have become our greatest financial gift to ourselves, and our team want to help keep them that way,” said Ria Murray Payne, Trainee Manager of Guardian Life Insurance. “Unfortunately, weather patterns or a thief’s agenda are outside of your control, but our team can help you plan ahead and be prepared for the unexpected. Your ability to plan ahead now can help save you from stress further down the road.”

Commonly covered perils include:

  • Fire damage
  • Weather-related damage, such as wind or rain damage
  • Water damage from internal sources from weather related flooding
  • Theft of personal property
  • Vandalism
  • Damage caused by volcano
  • Damage from Landslides
  • Explosions
  • Damage caused by motor vehicles

Keep in mind that specific damage isn’t typically covered by a standard homeowners insurance policy. However, you can visit the Home insurance policy page, or speak to an insurance agent to learn more about how to get the best home insurance to fit your needs.

Protecting your home starts with having a homeowners insurance policy. It’s important to discuss the coverage of your policy with your insurance agent to better understand how your belongings and property will be covered in the event of an unexpected peril.


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