A "Peril" is a certain risk that may affect or damage your home. This is an insurance industry term, but basically describes the list of mishaps you're protected against. Here's a look at what the Insurance Information Institute says are some of the most common perils covered by a typical homeowners insurance policy:
Fire and smoke
Lightning strikes
Windstorms and hail
Explosion
Vandalism and malicious mischief
Damage from an aircraft, car or vehicle
Theft
Falling objects
For an more in depth look at your "Perils" or covered events, please reach out to your local agent, John Rose at 704-366-7779.