What types of disasters are covered under a traditional homeowner’s insurance policy?
Homeowner’s insurance usually covers damage caused by the following: fire or lightning, windstorm or hail, explosions, riots or civil commotion, aircraft or vehicles, smoke, vandalism or malicious mischief, theft, volcanic eruptions, falling objects, and the weight of ice, snow or sleet. Also covered are certain types of water damage caused by plumbing, heating, air-conditioning, automatic sprinkler systems or household appliances and certain types of damage by electrical systems.
