Extracover Perils

The Extracover Policy protects your home and other structures against direct physical loss, except as excluded in the policy. Personal property is protected from damage caused by the following perils:*

• Fire or lightning
• Windstorm or hail
• Explosion
• Sonic boom
• Riot or civil commotion
• Aircraft
• Vehicles
• Smoke
• Vandalism or malicious mischief
• Breakage of glass
• Theft

• Falling objects
• Weight of ice, snow or sleet
• Freezing by temperature reduction of a plumbing, heating, air conditioning or fire protection system, or a household appliance.
• Damage due to a sudden and accidental surge of electrical current
• Volcanic eruption

*Some perils contain specific exclusions. See the actual policy for the details.

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