What kinds of damage does basic homeowner’s policy cover?
Most basic policies protect against damage from: Fire and lighting, Windstorm and hail, Explosion, Riot and civil commotion, Aircraft Vehicles, Smoke, Vandalism and malicious mischief, Theft, Damage by glass or glazing material that is part of a building Volcanic eruption.
You can also step up coverage to include: Three kinds of water-related damage from home utilities or appliances Weight of ice, snow, and sleet Electrical surge damage Falling objects Protection is subject to policy limits and deductibles can vary.
