Left Navigation Insured Perils A peril is a chance event that is unexpected and accidental. What Perils are Excluded? The gradual deterioration of shingle roofing or the rotting of a wood fence is natural and expected, so is an uninsured peril. But if someone spray-paints graffiti on your garage door, and the graffiti must be removed and the door cleaned, the damage is due to an insured peril – vandalism. Home insurance policies generally offer coverage for named perils, such as fire, wind and theft. Excluded perils may include earthquake or flood. Earthquake insurance can be purchased separately. Commonly Insured PerilsPerils to a building and contents that you can expect to be insured for include:Aircraft or vehicle impact Electrical currentExplosionFalling objects (excluding objects propelled by a snow slide or earth movement)Fire Lightning Smoke (released suddenly from malfunctioning cooking or heating devices, but not from fireplaces) TheftMore examplesSpeak to your insurance representative regarding the specifics of your policy. If you have a swimming pool or hot tub, inquire about policy options – such as a pool and spa endorsement – to ensure it is adequately insured. Examples of Uninsured PerilsA home insurance policy is not a maintenance contract. Predictable events, such as the flooding of a home built on a flood plain are not covered. Uninsured perils include:Flooding or water damage caused by floodwater (due to overflow from a body of water). Certain areas are prone to floods, so damage caused by flooding in these areas is considered predictable. However, water damage caused by a sudden rupture of an indoor pipe would be covered. Sewer backup/water damage coverage may be purchased as an add-on to your existing policy.Landslides, earthquakes and other earth movements. While these events are not covered on a home policy, damage from a fire or explosion caused by earth movement would be covered.Damage arising from the freezing of indoor plumbing. This is generally regarded as preventable. If you are away from your home for more than four days during the normal heating season, you must drain the plumbing or have your home checked regularly to ensure that heat is maintained. If freezing-related damage occurs despite such precautions, it would likely be covered. A variety of other perils are excluded from policies. Learn more about other uninsured perils. All about home insuranceA house is often the single largest financial investment you can make. Without insurance, your most valuable asset is vulnerable to fire, theft and other disasters.Home Insurance Q&AQuestion to ask your insurance representative.Home Insurance - Is yours up to dateProtect your most valuable asset. Make sure your home insurance is up to date with the checklist and tips in this brochure. Related ServicesOptional CoverageOptional coverage can protect you against financial losses stemming from the shaking of a home during an earthquake. Choose the coverage that covers the risks specific to your region.Condominium or Strata CoverageCoverage is available under two separate policies: one for a unit owner and another for the condominium or strata corporation. Useful LinksHome Inventory ApplicationA current inventory of your belongings makes it easier to file a claim. Keeping your records off-site is wise in case a fire or flood damages your property. Consider updating your home inventory each spring and advise your insurer of any major purchases.Act of GodInsurance companies don’t use the phrase “acts of God.” They use the word “perils” to describe events that an insurance policy covers, and “exclusions” for events or situations that are not covered.Spring Thaw HoodGenerally, overland flooding is not covered. Overland flooding occurs when water from rivers, streams or other bodies of water flows onto dry land and causes damage to homes. This kind of flooding can be caused by a spring thaw.Rental PropertiesBefore renting out your primary or secondary residence, contact your insurance representative. Make sure that your home insurance provides adequate coverage and no exclusions apply.