Covered Perils

Covered perils is a common term used to reference a specific cause resulting in damage or injury that is covered by insurance.

Frequently used examples of covered perils are:

  • Fire and smoke
  • Lightning strikes
  • Windstorms and hail
  • Explosion
  • Vandalism and malicious mischief
  • Damage from an aircraft, car or vehicle
  • Theft
  • Falling objects
  • Weight of ice, snow or sleet
  • Water damage (such as pipe burst etc.) 

Other specific examples may also be considered covered perils depending on your insurance company’s own guidelines.