16 Named Perils in Homeowners Insurance: What’s Covered and What’s Not

When you purchase a homeowners insurance policy, you may come across the term "named perils." But what exactly does that mean? Simply put, named perils are specific events or causes of damage that your insurance policy will cover. If a peril is not listed, it’s typically not covered. Most basic homeowners insurance policies cover 16 named perils, which we’ll break down below so you can better understand what’s protected under your policy.

What Are the 16 Named Perils?

A standard HO-2 homeowners insurance policy includes coverage for the following 16 perils:

1. Fire or Lightning

Covers damage caused by accidental fires or lightning strikes, one of the most common homeowners insurance claims.

2. Windstorm or Hail

Protects against wind damage, tornadoes, and hailstorms, but coverage for hurricanes or specific high-risk areas may require additional riders.

3. Explosion

If an explosion damages your home—whether from a gas leak, propane tank, or other source—this peril ensures coverage.

4. Riot or Civil Commotion

Provides coverage for property damage caused by riots, protests, or civil disturbances.

5. Damage by Aircraft

If an airplane or drone damages your home, this peril covers repair costs.

6. Damage by Vehicles

If a vehicle crashes into your home, fence, or other structures on your property, your policy covers the repair costs.

7. Smoke

Covers damage caused by smoke from accidental fires or other sources (excluding industrial or agricultural pollution).

8. Vandalism or Malicious Mischief

If someone intentionally damages your property (such as spray painting graffiti or breaking windows), this peril provides coverage.

9. Theft

If your home is burglarized or your belongings are stolen, this coverage helps replace lost items, up to policy limits.

10. Falling Objects

Protects against damage caused by objects like tree branches, debris, or even satellite parts falling onto your home.

11. Weight of Ice, Snow, or Sleet

Covers structural damage caused by excessive accumulation of ice, snow, or sleet on your roof or other parts of your home.

12. Accidental Discharge or Overflow of Water or Steam

If a plumbing issue, water heater, or HVAC system leaks or bursts, this peril covers water damage (excluding flooding).

13. Sudden and Accidental Tearing Apart, Cracking, Burning, or Bulging

Applies to appliances such as water heaters, boilers, or HVAC systems that unexpectedly break due to internal issues.

14. Freezing of Plumbing, Heating, Air Conditioning, or Fire Sprinkler Systems

Protects against damage caused by frozen pipes or HVAC systems, provided you take necessary precautions (e.g., maintaining heat).

15. Sudden and Accidental Damage from Artificially Generated Electrical Current

Covers damage to appliances and electronics caused by power surges or electrical malfunctions.

16. Volcanic Eruption

If your home is damaged by a volcanic eruption, this peril ensures coverage (though earthquake damage is usually not included).

What’s Not Covered?

While these 16 named perils provide broad protection, some risks require separate coverage. Here are a few common exclusions:

• Flooding (requires a separate flood insurance policy)

• Earthquakes (requires earthquake insurance)

• Normal wear and tear

• Mold and pest infestations

• Negligence or lack of home maintenance

Understanding these 16 named perils helps you know exactly what’s covered under your homeowners insurance policy. If you live in a high-risk area or want additional protection, consider discussing add-ons or endorsements with your insurance provider. You could also look into acquiring a broader coverage policy, an HO-3 or HO-5. Not sure the difference? Compare them here!

Still have questions about your coverage? Contact us today to review your policy and ensure you have the right protection in place!

(207) 363-7894 | www.tapleyagency.com | 300 York St . PO Box 808 . York, Maine 03909