The 16 Named Perils | Home Insurance 101

What are perils, you ask? A peril is any qualifying event, circumstance or hazard that causes damage or complete loss to your property or personal belongings.

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Closed Captioning:

Well, what are the odds of that?

Home Insurance 101: The 16 Named Perils

What are perils, you ask? A peril is any qualifying event, circumstance or hazard that causes damage or complete loss to your property or personal belongings.

The basis behind named-peril policies is that only the damage caused by one of the 16 named perils is covered. So if an alien spaceship attacks your home, you’ve got some problems. But let’s take a look at which 16 perils are covered.

(Shuffle through the named perils without speech — flash one on the screen, flash the next and so on)
1. Vandalism
2. Theft
3. Frozen Pipes
4. Damage caused by vehicles
5. Damage caused by aircraft
6. Rioting or civil disturbances
7. Fire or Lightning
8. Windstorm or hail, such as a hurricane or tornado
9. Damage from smoke
10. Damage caused by heating, air conditioning or plumbing
11. Damage due to snow, ice or sleet
12. Damage from water heater, including cracks, burns or tears
13. Damage from electrical current, such as downed powerlines
14. Explosions
15. Falling Objects
16. Volcanic Eruptions