What is Named Peril Coverage?

Named peril coverage is a type of insurance which only covers explicitly listed risks. There are various reasons to choose named peril coverage over or in addition to all-risks coverage or special coverage, and it is certainly an option to consider when purchasing insurance. Most insurance companies offer named peril coverage along with numerous other types of insurance, and consumers may want to ask for advice on the issue.

When a named peril coverage policy is written, the insurance company creates a list of “perils,” potential causes of damage or loss. These perils are clearly listed in the policy, along with a clause indicating that unlisted causes of damage will not be covered. For example, in a named peril coverage policy which lists wind, rain, snow, and fire as potential perils, damage which is caused by an earthquake will not be covered.

In areas where earthquakes are extremely rare, this insurance might be a good choice, since the consumer is only paying for likely causes ... more.

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