6.2.7 Insurable and uninsurable perils
- 6.2.1 Life insurance
- 6.2.2 When to review your life insurance
- 6.2.3 How much life insurance you need
- 6.2.4 Health insurance
- 6.2.5 Property insurance
- 6.2.6 Compensation
- 6.2.7 Insurable and uninsurable perils
- 6.2.8 Vehicle insurance
- 6.2.9 Business insurance
- 6.2.10 Credit or debt insurance
- 6.2.11 Identify your insurance needs
- 6.2.12 Summary of key messages
No insurance policy will cover you for every risk to your home and property. Here are some risks, or perils, that generally are not included.
Definitions
- Insurable perils: Risks that are included in home insurance policies
- Uninsurable perils: Risks that are not included in home insurance policies
Common insurable perils |
Common uninsurable perils |
|---|---|
Aircraft or vehicle impact |
Water damage caused by floodwater or ongoing leaks |
Electric current |
Damage arising from the freezing of indoor plumbing |
Explosion |
Damage by insects and rodents |
Falling object |
Damage by snowslide, landslide or earthquake |
Fire |
Damage caused if you leave your home vacant for more than 30 days |
Lightning |
|
Smoke |
|
Theft |
|
Vandalism |
|
Sudden water damage |
|
Wind and hail |
|
Window glass |
You may purchase separate insurance for these perils, which are not normally included in home insurance policies:
- earthquake
- furnace oil spills
- sewer back-up.
Page details
- Date modified: