What's Covered

Standard homeowners insurance (form HO-3) customarily covers damage to both structures and personal property caused by fire or lightning; windstorm (including hurricanes and tornadoes) or hail; explosions; riot or civil commotion; aircraft; vehicles; smoke; theft or vandalism (sometimes called malicious mischief); falling objects; weight of ice, snow or sleet; and freezing of plumbing, heating, air conditioning or other household systems. It also covers personal liability: if you, your family or your property injures someone. In fact, your coverage is likely to be more comprehensive than the above list. Many homeowners policies cover damage by "just about everything," unless the coverage is specifically excluded. In these cases, it is even more important to understand what is not covered.