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What Does Hazard Insurance Cover?

Updated: April 2016

Coverage for damage caused by certain hazards is among the protections offered by a typical homeowners insurance policy. Those hazards are often referred to as perils.

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Below are some of the perils that are typically covered by homeowners insurance.

It's important to remember that not all insurance policies are the same. Be sure to read your policy or check with your agent to learn what risks may or may not be covered by your policy. For example, damage caused by floods and earthquakes are typically not covered by homeowners insurance.

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What Does Homeowners Insurance Cover?

Protection against covered perils typically extends to both the physical structure of a home as well as the belongings you keep inside. Here's an overview of how a typical homeowners insurance policy may help protect you from perils such as the ones listed above.

Dwelling coverage. The physical structure of a home is protected by dwelling coverage. For instance, if fire damages your walls or hail damages your siding, this coverage may help pay to repair the damage.

Other structures coverage. Homeowners insurance typically extends to structures other than an actual home. If you have a fence, shed or detached garage on your property, you may find insurance will help pay to repair or replace them after a covered loss.

Personal property coverage. Personal property is a term used to describe your belongings. Suppose your television is stolen or your furniture is damaged by a fire in your home. This coverage may help pay to replace items damaged or destroyed by certain perils.

Deductibles and Limits

You may find that you have to pay an out-of-pocket cost, called a deductible, before your insurance benefits kick in to help cover a loss. The amount of your deductible is stated in your policy. It's also important to understand that coverage limits typically apply. The limits stated in your policy are the maximum amount your insurance policy will pay toward a covered loss. Your insurance agent can help you raise or lower your coverage limits to suit your needs.

Have questions about insurance may help you should the unexpected occur? Contact a local agent for help crafting a homeowners insurance policy that fits your needs.


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Coverage subject to terms, conditions and availability. Policy issuance is subject to qualifications. Allstate Property and Casualty Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Indemnity Company, Allstate New Jersey Property and Casualty Insurance Company. © 2016 Allstate Insurance Company, Northbrook, IL.
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