A standard homeowners insurance policy lists the following 16 events as named policy perils: Different types of home insurance policies cover perils in different ways, depending on how coverage is ...

An HO-2 policy is a type of homeowners insurance that only covers damages caused by perils specifically named in your policy. An HO-2 typically covers 16 named perils, including damage from fire ...

Look at whether the policy is a “named perils” or “open perils” policy. A named perils policy will cover costs only from problems specifically listed in the policy, which typically include ...