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What Type of Disasters Are Covered ? Most homeowners policies cover the 16 disasters

What Type of Disasters Are Covered ?

Most homeowners policies cover the 16 disasters listed below. Some “bare bones” policies only cover the first 10: 

• Fire or lightning
• Windstorm or hail
• Explosion
• Riot or civil commotion
• Damage caused by aircraft
• Damage caused by vehicles
• Smoke
• Vandalism or malicious mischief
• Theft
• Volcanic eruption
• Falling object
• Weight of ice, snow or sleet
• Accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning, or automatic fire-protective sprinkler system, or from a household appliance
• Sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot water heating system, an air conditioning or automatic fireprotective system
• Freezing of a plumbing, heating, air conditioning or automatic, fireprotective sprinkler system, or of a household appliance
• Sudden and accidental damage from artificially generated electrical current (does not include loss to a tube, transistor or similar electronic component)

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