Home insurance policies typically cover a range of perils, including:
Fire: Coverage for damages caused by fire, including smoke damage.
Theft: Protection against theft or burglary, including stolen belongings.
Vandalism: Coverage for damages caused by acts of vandalism.
Windstorm: Protection against damages caused by strong winds, hurricanes, or tornadoes.
Hail: Coverage for damages caused by hailstorms.
Lightning: Protection against damages resulting from lightning strikes.
Water Damage: Coverage for specific types of water damage, such as burst pipes or accidental overflow.