Sorry, you need to enable JavaScript to visit this website.

探花精选

Which disasters are covered by homeowners insurance?

Here's a handy guide to coverage by policy type鈥攁nd what's not typically covered

SPONSORED BY

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鈥攁nd what's not.

Disaster coverage by homeowners policy type

What type of disasters are covered?

听 Dwelling & personal property Dwelling Personal property 听Dwelling & personal property
Perils Basic HO-1*+ Broad HO-2* Special HO-3* Special HO-3 Renters HO-4 Condo/Co-op HO-6 Modified Coverage HO-8
1. Fire or lightning x x x x x x x
2. Windstorm or hail x x x x x x x
3. Explosion x x x x x x x
4. Riot or civil commotion x x x x x x x
5. Damage caused by aircraft x x x x x x x
6. Damage caused by vehicles x x x x x x x
7. Smoke x x x x x x x
8. Vandalism or malicious mischief x x x x x x x
9. Theft x x x x x x x
10. Volcanic eruption x x x x x x x
11. Falling object 听 x x x x x 听
12. Weight of ice, snow or sleet 听 x x x x x 听
13.听 Accidental discharge or overflow of
water or steam from within a plumbing,
heating, air conditioning, or automatic
fire-protective sprinkler system, or from
a household appliance.		 听 x x x x x 听
14. Sudden and accidental tearing apart,
cracking, burning, or bulging of a steam
or hot water heating system, an air
conditioning or automatic fire-protective
system.		 听 x x x x x 听
15. Freezing of a plumbing, heating, air
conditioning or automatic, fire-protective
sprinkler system, or of a household appliance.		 听 x x x x x 听
16. Sudden and accidental damage from
artificially generated electrical current
(does not include loss听 to a tube, transistor
or similar electronic component)		 听 x x x x x 听
17. All perils except flood, earthquake, war,
nuclear accident, landslide, mudslide,
sinkhole and others specified in your
policy. Check your policy for a complete
list of perils excluded.		 听 听 x 听 听 听 听

Disasters that are not covered

  1. Floods. 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听National Flood 探花精选 Program听(NFIP) and from a few private insurers. Learn more 鈥攚hether you need it, how to get it, and more.
  2. Earthquakes. Earthquake coverage is available from most insurance companies as a separate policy or an endorsement to your homeowners or renters policy. Learn more .
  3. Maintenance damage. 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, or infestation from termites or other pests.
  4. Sewer Backup. 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 .

听

Next steps: Need to settle a claim after a disaster? We're sorry鈥攂ut maybe these .

Back to top

Homeowners + Renters 探花精选
How to create a home inventory
Homeowners + Renters 探花精选
How much homeowners insurance do I need?