Damages Covered by Home Insurance

When shopping for homeowner’s insurance, it is important to understand that all homeowner’s insurance policies do not cover the same types of damage. The type of damage that is covered varies greatly from one policy to another. There are two ways insurance policies approach this.

With one approach, it covers all damage and then lists specific types of damage that is not covered. This is the way the HO-3 insurance policy is structured.

The other approach, provides coverage for certain types of damage. These damages include damage caused by:

  • Fire or lightning;
  • Hair or windstorm;
  • Explosions;
  • Riot or civil commotions;
  • By vehicles and aircraft;
  • Smoke;
  • Vandalism;
  • Theft;
  • Falling objects;
  • Weight of ice, snow or sleet;
  • Discharge or overflow of water or of a stream;
  • Freezing of plumbing, heating, A/C, fire system, or a household appliance;
  • Tearing, cracking, burning, or bulging of steam, hot weather, AC, fire system, or a household appliance;
  • Volcanic eruption; and
  • Artificially generated electrical current.

This is the approach used in the HO-2, 4 and 6 insurance policies.

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