Which Types of Damage Are Covered by Homeowners Insurance?

gray clouds and lightning over isolated highway
lightning bolt over two lane highway

Wondering what sort of catastrophes—natural, man-made, or otherwise—are covered in your homeowners insurance? Consult our chart and look for whether this coverage is included while comparing insurance quotes. Information here is presented as general guidelines and varies from policy to policy. Check the policies you're reviewing and ask specifically what they cover. Be sure to also check your state's insurance commissioner site for specifics in your state.

Select a Policy Below and See What's Covered

Key
checkmark Cause of damage is typically covered under this policy
Add-on Cause of damage can be added by endorsements or other modification to this policy
N/A Cause of damage is considered uninsurable and not available in a standard policy or as an endorsement
* Your coverage for this cause of damage depends on your HOA (homeowners association) or co-op organization's insurance policy, which typically covers property damage to the building and common areas
Standard Homeowners/Townhome Insurance
(Form 3 HO-3)
Standard Homeowners/Townhome Insurance
(Form 3 HO-3)
Standard Condo/Co-op Insurance
(Form 6 HO-6)
Standard Mobile Home Insurance
(Form HO-7)
Standard Vacation Homeowners Insurance
(Form DF-1 or DP-1)
Standard Older Homeowners Insurance
(Typically over 40 years) (Form HO-8)
Cause of Damage
Common Perils
The 16 basic perils covered by standard homeowners policies
light-fire Fire or lightning checkmark
Windstorm-Hail Windstorm or hail checkmark
Perils-Explosion Explosion checkmark
FallingObjects Falling object checkmark
QC-Perils-Vehicle Damage caused by vehicles checkmark
CQ-Perils-Smoke Smoke checkmark
CQ-Perils-Vandalism Vandalism or malicious mischief checkmark
CQ-Perils-Theft Theft checkmark
CQ-Perils-Freezing Freezing of a plumbing or other household system or of a household appliance checkmark
CQ-Perils-ElectricalCurrent Sudden and accidental damage from an artificially generated electrical current checkmark
CQ-Perils-Snow Weight of ice, snow, or sleet checkmark
QC-Perils-Steam Accidental discharge or overflow of water or steam from within a plumbing or other household system or household appliance checkmark
QC-Perils-Cracking Tearing apart, cracking, burning, or bulging of a steam or hot water heating system or other household system checkmark
CQ-Perils-Riot Riot or civil commotion checkmark
CQ-Perils-Aircraft Damage caused by aircraft checkmark
QC-Perils-VolcanicEruption Volcanic eruption checkmark
QC-Perils-OtherCauses
Other Causes
Wear and tear
(damage or deterioration that occurs with normal use)
N/A
Equipment breakdown
(equipment stops working due to mechanical or electrical failure, not wear and tear)
Add-on
Sewer backups
(damage from underground water)
Add-on
Preventable causes such as negligence
(causes that could have been prevented by the insured person using reasonable means, such as regular maintenance)
N/A
Mold, fungus, or wet rot
(usually only covered if it occurs as the result of a covered peril, not covered due to neglect, flooding, or other uncovered perils)
checkmark
(some conditions)
Infestation N/A
Government actions
(the destruction, confiscation, or seizure of your home or personal property)
N/A
Nuclear hazards N/A
War N/A
QC-Perils-OtherCauses
Natural Disasters
Floods Add-on
Hurricanes Varies by location
Earthquakes or other earth movement Add-on
Sinkholes Add-on
Wildfires checkmark
QC-Perils-PersonalProperty
Personal Property
Theft, damage or destruction of clothing, electronics, furniture, and other belongings as the result of a covered peril checkmark
Theft or loss of jewelry, art, furnishings, equipment, or collections valued at over $1,500 Add-on
Cause of Damage
Common Perils
The 16 basic perils covered by standard homeowners policies
light-fire Fire or lightning checkmark
Windstorm-Hail Windstorm or hail checkmark
Perils-Explosion Explosion checkmark
FallingObjects Falling object checkmark
QC-Perils-Vehicle Damage caused by vehicles checkmark
CQ-Perils-Smoke Smoke checkmark
CQ-Perils-Vandalism Vandalism or malicious mischief checkmark
CQ-Perils-Theft Theft checkmark
CQ-Perils-Freezing Freezing of a plumbing or other household system or of a household appliance checkmark
CQ-Perils-ElectricalCurrent Sudden and accidental damage from an artificially generated electrical current checkmark
CQ-Perils-Snow Weight of ice, snow, or sleet checkmark
QC-Perils-Steam Accidental discharge or overflow of water or steam from within a plumbing or other household system or household appliance checkmark
QC-Perils-Cracking Tearing apart, cracking, burning, or bulging of a steam or hot water heating system or other household system checkmark
CQ-Perils-Riot Riot or civil commotion checkmark
CQ-Perils-Aircraft Damage caused by aircraft checkmark
QC-Perils-VolcanicEruption Volcanic eruption checkmark
QC-Perils-OtherCauses
Other Causes
Wear and tear
(damage or deterioration that occurs with normal use)
N/A
Equipment breakdown
(equipment stops working due to mechanical or electrical failure, not wear and tear)
Add-on
Sewer backups
(damage from underground water)
HOA
Add-on
*
Preventable causes such as negligence
(causes that could have been prevented by the insured person using reasonable means, such as regular maintenance)
N/A
Mold, fungus, or wet rot
(usually only covered if it occurs as the result of a covered peril, not covered due to neglect, flooding, or other uncovered perils)
checkmark
(some conditions)
Infestation N/A
Government actions
(the destruction, confiscation, or seizure of your home or personal property)
N/A
Nuclear hazards N/A
War N/A
QC-Perils-OtherCauses
Natural Disasters
Floods HOA
Add-on
*
Hurricanes Varies by location
Earthquakes or other earth movement HOA
Add-on
*
Sinkholes HOA
Add-on
*
Wildfires checkmark
QC-Perils-PersonalProperty
Personal Property
Theft, damage or destruction of clothing, electronics, furniture, and other belongings as the result of a covered peril checkmark
Theft or loss of jewelry, art, furnishings, equipment, or collections valued at over $1,500 Add-on
Cause of Damage
Common Perils
The 16 basic perils covered by standard homeowners policies
light-fire Fire or lightning checkmark
Windstorm-Hail Windstorm or hail checkmark
Perils-Explosion Explosion checkmark
FallingObjects Falling object checkmark
QC-Perils-Vehicle Damage caused by vehicles checkmark
CQ-Perils-Smoke Smoke checkmark
CQ-Perils-Vandalism Vandalism or malicious mischief checkmark
CQ-Perils-Theft Theft checkmark
CQ-Perils-Freezing Freezing of a plumbing or other household system or of a household appliance checkmark
CQ-Perils-ElectricalCurrent Sudden and accidental damage from an artificially generated electrical current checkmark
CQ-Perils-Snow Weight of ice, snow, or sleet checkmark
QC-Perils-Steam Accidental discharge or overflow of water or steam from within a plumbing or other household system or household appliance checkmark
QC-Perils-Cracking Tearing apart, cracking, burning, or bulging of a steam or hot water heating system or other household system checkmark
CQ-Perils-Riot Riot or civil commotion checkmark
CQ-Perils-Aircraft Damage caused by aircraft checkmark
QC-Perils-VolcanicEruption Volcanic eruption checkmark
QC-Perils-OtherCauses
Other Causes
Wear and tear
(damage or deterioration that occurs with normal use)
N/A
Equipment breakdown
(equipment stops working due to mechanical or electrical failure, not wear and tear)
Add-on
Sewer backups
(damage from underground water)
Add-on
Preventable causes such as negligence
(causes that could have been prevented by the insured person using reasonable means, such as regular maintenance)
N/A
Mold, fungus, or wet rot
(usually only covered if it occurs as the result of a covered peril, not covered due to neglect, flooding, or other uncovered perils)
checkmark
(some conditions)
Infestation N/A
Government actions
(the destruction, confiscation, or seizure of your home or personal property)
N/A
Nuclear hazards N/A
War N/A
QC-Perils-OtherCauses
Natural Disasters
Floods Add-on
Hurricanes Varies by location
Earthquakes or other earth movement Add-on
Sinkholes Add-on
Wildfires checkmark
QC-Perils-PersonalProperty
Personal Property
Theft, damage or destruction of clothing, electronics, furniture, and other belongings as the result of a covered peril checkmark
Theft or loss of jewelry, art, furnishings, equipment, or collections valued at over $1,500 Add-on
Cause of Damage
Common Perils
The 16 basic perils covered by standard homeowners policies
light-fire Fire or lightning checkmark
Windstorm-Hail Windstorm or hail Add-on
Perils-Explosion Explosion checkmark
FallingObjects Falling object Add-on
QC-Perils-Vehicle Damage caused by vehicles Add-on
CQ-Perils-Smoke Smoke Add-on
CQ-Perils-Vandalism Vandalism or malicious mischief Add-on
CQ-Perils-Theft Theft Add-on
CQ-Perils-Freezing Freezing of a plumbing or other household system or of a household appliance Add-on
CQ-Perils-ElectricalCurrent Sudden and accidental damage from an artificially generated electrical current Add-on
CQ-Perils-Snow Weight of ice, snow, or sleet Add-on
QC-Perils-Steam Accidental discharge or overflow of water or steam from within a plumbing or other household system or household appliance Add-on
QC-Perils-Cracking Tearing apart, cracking, burning, or bulging of a steam or hot water heating system or other household system Add-on
CQ-Perils-Riot Riot or civil commotion Add-on
CQ-Perils-Aircraft Damage caused by aircraft Add-on
QC-Perils-VolcanicEruption Volcanic eruption Add-on
QC-Perils-OtherCauses
Other Causes
Wear and tear
(damage or deterioration that occurs with normal use)
N/A
Equipment breakdown
(equipment stops working due to mechanical or electrical failure, not wear and tear)
Add-on
Sewer backups
(damage from underground water)
Add-on
Preventable causes such as negligence
(causes that could have been prevented by the insured person using reasonable means, such as regular maintenance)
N/A
Mold, fungus, or wet rot
(usually only covered if it occurs as the result of a covered peril, not covered due to neglect, flooding, or other uncovered perils)
Add-on
Infestation N/A
Government actions
(the destruction, confiscation, or seizure of your home or personal property)
N/A
Nuclear hazards N/A
War N/A
QC-Perils-OtherCauses
Natural Disasters
Floods Add-on
Hurricanes Add-on
Earthquakes or other earth movement Add-on
Sinkholes Add-on
Wildfires checkmark
QC-Perils-PersonalProperty
Personal Property
Theft, damage or destruction of clothing, electronics, furniture, and other belongings as the result of a covered peril Add-on
Theft or loss of jewelry, art, furnishings, equipment, or collections valued at over $1,500 Add-on
Cause of Damage
Common Perils
The 16 basic perils covered by standard homeowners policies
light-fire Fire or lightning checkmark
Windstorm-Hail Windstorm or hail checkmark
Perils-Explosion Explosion checkmark
FallingObjects Falling object Add-on
QC-Perils-Vehicle Damage caused by vehicles checkmark
CQ-Perils-Smoke Smoke checkmark
CQ-Perils-Vandalism Vandalism or malicious mischief checkmark
CQ-Perils-Theft Theft checkmark
CQ-Perils-Freezing Freezing of a plumbing or other household system or of a household appliance Add-on
CQ-Perils-ElectricalCurrent Sudden and accidental damage from an artificially generated electrical current Add-on
CQ-Perils-Snow Weight of ice, snow, or sleet Add-on
QC-Perils-Steam Accidental discharge or overflow of water or steam from within a plumbing or other household system or household appliance Add-on
QC-Perils-Cracking Tearing apart, cracking, burning, or bulging of a steam or hot water heating system or other household system Add-on
CQ-Perils-Riot Riot or civil commotion checkmark
CQ-Perils-Aircraft Damage caused by aircraft checkmark
QC-Perils-VolcanicEruption Volcanic eruption checkmark
QC-Perils-OtherCauses
Other Causes
Wear and tear
(damage or deterioration that occurs with normal use)
N/A
Equipment breakdown
(equipment stops working due to mechanical or electrical failure, not wear and tear)
Add-on
Sewer backups
(damage from underground water)
Add-on
Preventable causes such as negligence
(causes that could have been prevented by the insured person using reasonable means, such as regular maintenance)
N/A
Mold, fungus, or wet rot
(usually only covered if it occurs as the result of a covered peril, not covered due to neglect, flooding, or other uncovered perils)
checkmark
(some conditions)
Infestation N/A
Government actions
(the destruction, confiscation, or seizure of your home or personal property)
N/A
Nuclear hazards N/A
War N/A
QC-Perils-OtherCauses
Natural Disasters
Floods Add-on
Hurricanes Varies by location
Earthquakes or other earth movement Add-on
Sinkholes Add-on
Wildfires checkmark
QC-Perils-PersonalProperty
Personal Property
Theft, damage or destruction of clothing, electronics, furniture, and other belongings as the result of a covered peril checkmark
Theft or loss of jewelry, art, furnishings, equipment, or collections valued at over $1,500 Add-on

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