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 Personal Property Homeowners and Personal Property Insurance Here is a list of the named perils covered:1. Fire or lightning damage 2. Windstorm or hail damage 3. Damage caused by explosion 4. Damage caused by riots or civil disturbance 5. Aircraft damage 6. Vehicle damage 7. Smoke damage 8. Vandalism or malicious mischief 9. Loss from theft 10. Glass breakage 11. Damage caused by volcanic eruption 12. Falling objects 13. Damage caused by collapse due to weight of ice, snow or sleet 14. Freezing damage to plumbing, heating/air conditioning or household appliances. 15. Accidental discharge or overflow of water from plumbing or a heating/air- conditioning system 16. Damage from a sudden and accidental discharge of an artificially generated electrical current. 17. Damage caused by sudden and accidental tearing apart, cracking, burning or bulging of a heating/air-conditioning system, a fire-prevention sprinkler system or an appliance for heating water. Here is a list of a few perils commonly EXCLUDED from homeowners policies (Check your policy for specific exclusions): 1. Damage caused by flood2. Damage caused by earthquake 3. Damage caused by war or nuclear accident 4. Damage caused by earth movement Insurance Application and Free Quote |