What kind of Perils does a Homeowner Policy protect against?

Remember that policies vary but homeowners insurance usually covers damage to both structures and personal property caused by: * Fire or lightning * Windstorm or hail * Explosions * Riot or civil commotion * Aircraft * Vehicles * Smoke * Theft or vandalism (sometimes called malicious mischief) * Falling objects * Weight of ice, snow or sleet * Freezing of a plumbing, heating, air conditioning or other such household system In fact, your coverage is most likely even more comprehensive than the above list. Many homeowners policies cover damage by "just about everything," unless the coverage is specifically excluded. In these cases, it is even more important to understand what is not covered.

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