Some companies offer an optional deductible applicable only to wind or hail losses.
It must be noted that these are a mere sample of property and perils not covered. A complete review of your policy is the only way to determine what property is covered and what perils are insured against. Also, there are specific limits of coverage on property insured under the homeowners policy such as money, securities, water craft, theft of jewelry, silverware, and or guns. In West Virginia, an insurance company writing homeowners policies is not obligated to offer coverage to all applicants. Each company has their own underwriting requirements and, therefore, may decline an applicant if such applicant does not meet the company's underwriting criteria.