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
- Vandalism and malicious mischief
- Damage from an aircraft, car or vehicle
- Falling objects
For an more in depth look at your "Perils" or covered events, please reach out to your local Allstate agent, John Rose at 704-366-7779.