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<p class="has-black-color has-text-color has-large-font-size">Standard homeowners policies cover a wide range of potential disasters, from tornadoes to lightning strikes to winter storm damage. Policies do vary, though, so for your own peace of mind, check yours for the specific perils covered. Learn what's generally covered by each homeowners insurance policy type—and what's not.</p>
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<p class="has-black-color has-text-color has-extra-large-font-size">What type of disasters are covered?</p>
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<figure class="wp-block-table is-style-regular has-extra-small-font-size"><table><thead><tr><th>&nbsp;</th><th>Dwelling &amp; personal property</th><th>Dwelling</th><th>Personal property</th><th>&nbsp;Dwelling &amp; personal property</th></tr><tr><th>Perils</th><th>Basic HO-1*+</th><th>Broad HO-2*</th><th>Special HO-3*</th><th>Special HO-3</th><th>Renters HO-4</th><th>Condo/Co-op HO-6</th><th>Modified Coverage HO-8</th></tr></thead><tbody><tr><td>1. Fire or lightning</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td></tr><tr><td>2. Windstorm or hail</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td></tr><tr><td>3. Explosion</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td></tr><tr><td>4. Riot or civil commotion</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td></tr><tr><td>5. Damage caused by aircraft</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td></tr><tr><td>6. Damage caused by vehicles</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td></tr><tr><td>7. Smoke</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td></tr><tr><td>8. Vandalism or malicious mischief</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td></tr><tr><td>9. Theft</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td></tr><tr><td>10. Volcanic eruption</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td></tr><tr><td>11. Falling object</td><td>&nbsp;</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>&nbsp;</td></tr><tr><td>12. Weight of ice, snow or sleet</td><td>&nbsp;</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>&nbsp;</td></tr><tr><td>13.&nbsp; Accidental discharge or overflow of<br>water or steam from within a plumbing,<br>heating, air conditioning, or automatic<br>fire-protective sprinkler system, or from<br>a household appliance.</td><td>&nbsp;</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>&nbsp;</td></tr><tr><td>14. Sudden and accidental tearing apart,<br>cracking, burning, or bulging of a steam<br>or hot water heating system, an air<br>conditioning or automatic fire-protective<br>system.</td><td>&nbsp;</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>&nbsp;</td></tr><tr><td>15. Freezing of a plumbing, heating, air<br>conditioning or automatic, fire-protective<br>sprinkler system, or of a household appliance.</td><td>&nbsp;</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>&nbsp;</td></tr><tr><td>16. Sudden and accidental damage from<br>artificially generated electrical current<br>(does not include loss&nbsp; to a tube, transistor<br>or similar electronic component)</td><td>&nbsp;</td><td>x</td><td>x</td><td>x</td><td>x</td><td>x</td><td>&nbsp;</td></tr><tr><td>17. All perils except flood, earthquake, war,<br>nuclear accident, landslide, mudslide,<br>sinkhole and others specified in your<br>policy. Check your policy for a complete<br>list of perils excluded.</td><td>&nbsp;</td><td>&nbsp;</td><td>x</td><td>&nbsp;</td><td>&nbsp;</td><td>&nbsp;</td><td>&nbsp;</td></tr></tbody></table></figure>
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<p></p>
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<h2 class="has-black-color has-text-color has-extra-large-font-size">Disasters that are not covered</h2>
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<ol class="has-black-color has-text-color has-large-font-size"><li><strong>Floods.</strong> Flood damage is excluded under standard homeowners and renters insurance policies. Separate flood insurance coverage, however, is available for both homeowners and renters as a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers. Learn more about flood insurance—whether you need it, how to get it, and more.</li><li><strong>Earthquakes.</strong> Earthquake coverage is available from most insurance companies as a separate policy or an endorsement to your homeowners or renters policy. Learn more about earthquake insurance.</li><li><strong>Maintenance damage.</strong> It is your responsibility to maintain your home and take reasonable precautions to protect your home from damage. Your insurance policy will not cover damage due to lack of maintenance, mold or infestation from termites or other pests.</li><li><strong>Sewer Backup.</strong> Sewer backups are not covered under a typical homeowners insurance policy, nor are they covered by flood insurance. This type of coverage must be purchased either as a separate product or as an endorsement to a homeowners policy, usually at a nominal cost. Learn more about sewers and sewer backup insurance.</li></ol>
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<p>To read the full article, <a href="https://www.iii.org/article/which-disasters-are-covered-by-homeowners-insurance">click here.</a></p>
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