There are two types of homeowner’s coverage, Fire coverage including Catastrophe (hurricane) and Fire coverage excluding Catastrophe:
Fire, including catastrophe covers loss or damage to the building(s) caused by:
Fire, explosion, lightning, earthquake, escape of water or oil, aircraft impact, fall of trees, riots, strikes etc., malicious damage, hurricane, tornado, storm, flood, subsidence or landslip, theft or attempted theft and accidental damage to pipes, cables and glass.
Rent and Alternative Accommodation- for Fire, explosion and lightning (excludes CATASTROPHE).
Homeowners Liability –Limited $500,000 - $1,000,000
Fire, excluding catastrophe covers loss or damage to building(s) caused by:
Fire & Lightning, Excludes Natural Perils of Hurricane, tornado, earthquake, storm or flood