Association of Wyoming Insurance Agents

Consumer Information

What events are covered by homeowners insurance?

What kinds of events am I protected against?

Remember that policies vary but homeowners insurance usually covers damage to both structures and personal property caused by:

• Fire or lightning
• Windstorm or hail
• Explosions

• Riot or civil commotion
• Aircraft
• Vehicles

• Smoke
• Theft or vandalism (sometimes called malicious mischief)
• Falling objects

• Weight of ice, snow or sleet
• Freezing of a plumbing, heating, air conditioning or other such household system

In fact, your coverage is most likely even more comprehensive than the above list.  Many homeowners policies cover damage by "just about everything," unless the coverage is specifically excluded.  In these cases, it is even more important to understand what is not covered.

Home

Association of Wyoming Insurance Agents
		P.O. Box 799 Sundance, WY 82729-0799 Voice: (307) 283-2052 Fax (775) 796-3122 Email: awia@vcn.com