The 17 broad form perils are a set of risks or hazards that are typically covered under a standard homeowners insurance policy. These perils are the specific events or circumstances that can cause damage to your property, and if any of these occur, your insurance policy may provide coverage for the resulting losses. Understanding these perils is crucial for homeowners, as it helps them know what is and isn't covered under their insurance policy. Below is a detailed explanation of each of the 17 broad form perils:

1. Fire or Lightning

Fire and lightning are among the most common and destructive perils covered by homeowners insurance. A fire can start from various sources, such as electrical faults, cooking accidents, or wildfires. Lightning strikes can cause fires or damage electrical systems within the home. If your home is damaged by fire or lightning, your insurance policy will typically cover the cost of repairs or rebuilding.

2. Windstorm or Hail

Windstorms and hail can cause significant damage to a home's roof, windows, and exterior. High winds can tear off shingles, break windows, and even uproot trees that may fall on your property. Hail can dent siding, break windows, and damage vehicles. Most homeowners insurance policies cover damage caused by windstorms and hail, although in some high-risk areas, additional coverage may be required.

3. Explosion

Explosions can occur due to gas leaks, malfunctioning appliances, or other causes. The resulting damage can be extensive, affecting not only the structure of the home but also personal belongings. Homeowners insurance typically covers damage caused by explosions, including the cost of repairs and replacement of damaged items.

4. Riot or Civil Commotion

Damage caused by riots or civil commotion is also covered under most homeowners insurance policies. This includes damage from vandalism, looting, or other forms of civil unrest. If your home is damaged during a riot, your insurance policy should cover the cost of repairs.

5. Aircraft

Damage caused by aircraft, including collisions or falling debris, is covered under homeowners insurance. This peril is relatively rare, but if an aircraft were to crash into your home or drop debris that causes damage, your policy would typically cover the resulting losses.

6. Vehicles

Damage caused by vehicles, such as a car crashing into your home, is also covered. This includes damage from cars, trucks, or other motor vehicles. If a vehicle damages your home, your insurance policy should cover the cost of repairs.

7. Smoke

Smoke damage, particularly from a sudden and accidental event like a fireplace malfunction or a nearby fire, is covered under homeowners insurance. This includes damage to walls, ceilings, and personal belongings caused by smoke. However, gradual smoke damage, such as from a poorly maintained chimney, may not be covered.

8. Vandalism or Malicious Mischief

Vandalism or malicious mischief, such as graffiti, broken windows, or other intentional damage to your property, is covered under most homeowners insurance policies. If your home is vandalized, your insurance should cover the cost of repairs.

9. Theft

Theft is one of the most common perils covered by homeowners insurance. If your home is broken into and personal belongings are stolen, your policy should cover the loss. This includes theft of items from your home, as well as theft of items from your car or while you're traveling.

10. Falling Objects

Damage caused by falling objects, such as tree limbs, satellites, or other debris, is covered under homeowners insurance. If a falling object damages your home or personal property, your insurance policy should cover the cost of repairs or replacement.

11. Weight of Ice, Snow, or Sleet

The weight of ice, snow, or sleet can cause damage to your home's roof, gutters, or other structures. This peril is particularly relevant in areas that experience heavy winter weather. If the weight of ice, snow, or sleet causes damage to your home, your insurance policy should cover the cost of repairs.

12. Accidental Discharge or Overflow of Water or Steam

This peril covers damage caused by the sudden and accidental discharge or overflow of water or steam from a plumbing, heating, or air conditioning system. For example, if a pipe bursts and floods your home, your insurance policy should cover the cost of repairs and water damage restoration. However, gradual leaks or lack of maintenance may not be covered.

13. Sudden and Accidental Tearing Apart, Cracking, Burning, or Bulging

This peril covers damage caused by the sudden and accidental tearing apart, cracking, burning, or bulging of a heating, air conditioning, or sprinkler system. For example, if your furnace suddenly cracks and causes damage to your home, your insurance policy should cover the cost of repairs.

14. Freezing

Freezing is a common peril in colder climates. If your pipes freeze and burst, causing water damage to your home, your insurance policy should cover the cost of repairs. However, if you fail to maintain your home's heating system or leave your home unheated during cold weather, the damage may not be covered.

15. Sudden and Accidental Damage from Artificially Generated Electrical Current

This peril covers damage caused by a sudden and accidental surge of artificially generated electrical current. For example, if a power surge damages your electronics or appliances, your insurance policy should cover the cost of repairs or replacement. However, damage caused by a power outage or gradual electrical issues may not be covered.

16. Volcanic Eruption

Volcanic eruptions are rare but can cause significant damage to homes and property. Most homeowners insurance policies cover damage caused by volcanic eruptions, including ash, lava flow, and shockwaves. However, coverage for earthquakes, which often accompany volcanic activity, may require a separate policy.

17. Falling Objects (Aircraft or Spacecraft)

This peril specifically covers damage caused by falling aircraft or spacecraft. While this is an extremely rare occurrence, if an aircraft or spacecraft were to crash into your home or drop debris that causes damage, your insurance policy should cover the resulting losses.

Additional Considerations

While the 17 broad form perils provide a comprehensive list of covered risks, it's important to note that not all policies are the same. Some insurance companies may offer additional coverage options or exclusions, so it's essential to review your policy carefully. Additionally, certain perils, such as floods or earthquakes, are typically not covered under standard homeowners insurance and require separate policies.

Conclusion

Understanding the 17 broad form perils is essential for homeowners to ensure they have adequate coverage for their property. These perils represent the most common risks that can cause damage to a home, and knowing what is covered can help homeowners make informed decisions about their insurance needs. If you have any questions about your coverage or need to add additional protection, it's always a good idea to consult with your insurance agent to ensure your home is fully protected.