- Fire or lightning
- Windstorm or hail
- Explosion
- Sonic boom
- Riot or civil commotion
- Aircraft
- Vehicles
- Smoke
- Vandalism or malicious mischief
- Breakage of glass
- Theft
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*Some perils contain specific exclusions. See the actual
policy for the details.
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- Falling objects
- Weight of ice, snow or sleet
- Sudden bursting or cracking of a heating or cooling system
- Freezing of plumbing, heating and cooling systems
- Accidental overflow or discharge of water from within the home
- Power surge damage to electrical appliances
- Volcanic eruption
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