What kinds of damage does a basic homeowner’s policy cover?

The majority of basic insurance policies protect against damage from:

• Fire and lightning
• Windstorm and hail
• Explosion
• Volcanic eruption
• Smoke
• Vandalism and malicious mischief
• Theft
• Damage by glass or glazing material that is part of a building
• Riot and civil commotion

You have the option of ramping up your coverage options to include:

• Falling objects
• Weight of ice, snow and sleet
• Electrical surge damage
• Water-related damage from home utilities or appliances

Of course, keep in mind that protection is subject to policy limits and deductibles can vary.