6.2.7 Insurable and uninsurable perils

No insurance policy will cover you for every risk to your home and property. Here are some risks, or perils, that generally are not included.

Definitions

Insurable and uninsurable perils

Common insurable perils

Common uninsurable perils

Aircraft or vehicle impact

Water damage caused by floodwater or ongoing leaks

Electric current

Damage arising from the freezing of indoor plumbing

Explosion

Damage by insects and rodents

Falling object

Damage by snowslide, landslide or earthquake

Fire

Damage caused if you leave your home vacant for more than 30 days

Lightning

 

Smoke

 

Theft

 

Vandalism

 

Sudden water damage

 

Wind and hail

 

Window glass

 

You may purchase separate insurance for these perils, which are not normally included in home insurance policies:

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