Homeowners insurance helps provide valuable financial protection against incidents that can cause damage to your home—including fire, lightning strike, wind and hail, explosions, falling objects, vandalism, theft and other risks or "perils."
Depending on your coverage, your home and detached structures—a storage shed or fence, for example—will be protected against All Perils or Specified Perils:
- All Perils protects your home and detached structures against the widest range of risks and only excludes the perils specifically listed in your policy. (The Enhanced Plus plan provides our most comprehensive perils coverage.)
- Specified Perils protects your home and detached structures against the most common risks, which will be listed in your policy.From protection for your home and personal belongings to coverage against liability claims, homeowners insurance protects you in a number of ways. Below is an overview of the key coverage it provides and tips to keep in mind when considering your coverage options.
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