What Kind Of Damage Does Home Insurance Cover? 
Your homeowners policy covers damage caused by specified perils . The policy lists those perils and they almost always include fire , wind , and hail and can include a laundry list of other perils . The key is that the damage must have been sustained by one of those perils . Excluded perils are generally flood and earthquake . Damage that is the result of years of deterioration is not a covered peril . 