What kinds of perils am I protected against?

Remember that policies vary but homeowners insurance usually covers damage to both structures
and personal property caused by:

• Fire or lightening
• Windstorm or hail
• Explosions, riot or civil commotion
• Aircraft
• Vehicles
• Smoke
• Theft or vandalism
• Falling objects
• Weight of ice, snow or sleet
• Freezing of plumbing, heating, air conditioning or other such household system

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