Perils typically covered by home owners insurance. A peril is an event, like a fire or break-in, that may damage your home or belongings. The perils covered by your homeowners insurance are listed in your policy. The list of mishaps you're protected against ("perils" in industry speak) is actually pretty broad. Here's a look at what the Insurance Information Institute says are some of the most common perils covered by a typical homeowners insurance policy: Fire and smoke Lightning strikes Windstorms and hail Explosion Vandalism and malicious mischief Damage from an aircraft, car or vehicle Theft Falling objects Weight of ice, snow or sleet Water damage Check your homeowners insurance policy to learn what perils it covers. FIRE AND SMOKE A home, belongings and structures like a garage or shed are all usually covered for fire damage (including smoke damage). If the condition of the home requires its residents to live elsewhere for a time, a policy will typically help

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