Homeowners Perils

Question 0

Open peril / all risk

Answer 0

Cover all losses except those listed in the policy

• Special form

Question 1

Named perils

Answer 1

• Covered losses from perils specifically listed in the policy.
• Basic form & Broad form

Question 2

What homeowners basic for perils

Answer 2

Fire and lightning, theft, windstorm, civil commotion, smoke damage, hail, aircraft, vehicles, vandalism and malicious mischief, volcanic eruption, explosion, and riot

Question 3

What are homeowners broad form perils?

Answer 3

All Basic form perils plus: weight of snow or ice or sleet, sudden rupture of heating or AC or sprinkler or water heater system, falling objects, accidental discharge or overflow of water or steam system, pipes freezing or bursting, power surge

Question 4

What are the homeowners Special form perils

Answer 4

Covers all direct physical damage EXCEPT:
Intentional acts, mechanical/electrical breakdown, was/nuclear mishap, flood/groundwater backup, earth movement, birds, insects, rodents, domestic animals