Perils usually covered by your home insurance contract

 

  • Fire or forest fires 
  • Theft or attempted theft 
  • Vandalism 
  • Discharge or overflow of public water mains carrying drinking water 
  • Discharge or overflow of plumbing systems or appliances such as bathtubs, toilets, washing machines or dishwashers
  • Windstorms
  • Hail
  • Lightning 
  • Explosion and smoke 
  • Impact from objects or vehicles
  • Riots

Perils covered by adding endorsements

 

Water damage caused by seepage

Water damage caused by sewer backup

Water damage caused by a body of water overflow (flooding)

Damage resulting from an earthquake

Perils not covered by most insurance contracts

 

  • Landslides and other earth movements 
  • Pollution 
  • Damage to property illegally acquired 
  • Losses caused by criminal acts of the insured 
  • Losses due to war, terrorism, nuclear risks

 

Did you know? (home)

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