What problems are covered?

The most common type of home insurance policy, called an HO-3 policy, covers any cause of damage to a house, except what’s specifically excluded, such as floods and earthquakes. It also covers personal property for the 16 problems listed below.

More basic home insurance policies that aren’t very common cover a house and belongings only for the 16 causes of damage below.

1. Fire and lightning
2. Windstorm and hail
3. explosion
4. Riot or civil commotion
5. Aircraft
6. vehicles
7. Smoke
8. Vandalism or malicious mischief
9. Theft
10. Volcanic eruption
11. Falling objects
12. Weight of ice, snow, or sleet
13. Accidental discharge or overflow of water or stream
14. Sudden and accidental tearing apart, cracking, burning or bulging
15. Freezing
16. Sudden and accidental damage from artificially generated electrical current