For coverage to apply to your personal contents or personal property coverage the loss must be named in your insurance policy. 

Please review the 16 typical perils that are insured against.

If you are looking for a superior homeowner’s insurance policy in Cincinnati please call 513-662-7000 to speak with one of our Cincinnati insurance experts.

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What Is Covered by the Named Perils Homeowners Insurance Policy?

We cover direct physical loss to property insured under Coverage C – Personal Property caused by:

1. Fire or Lightning 

2. Windstorm or Hail

 This does not include loss:

• Caused directly or indirectly by frost, cold weather, ice other than hail, snow or sleet whether driven by wind or not; b. to property in a building caused by rain, snow, sand, sleet or dust unless the building is first damaged by the direct force of wind or hail, creating an opening through which the rain, snow, sand, sleet or dust enters; or c. to watercraft and their trailers, furnishings, equipment and motors unless inside a fully enclosed building.

3. Explosion

4. Riot or Civil Commotion

5. Aircraft, including self-propelled missiles and spacecraft.

6. Vehicles, meaning impact by a vehicle.

7. Smoke, if the loss is sudden and accidental. This peril does not apply to loss caused by smoke from agricultural smudging or industrial operations.

8. Vandalism or Malicious Mischief

9. Theft or attempted theft, including loss of property from a known place if it is likely that a theft has occurred.

• This peril does not apply to theft: (1) committed by an insured person or by any other person residing on the insured premises. (2) in or from a dwelling under construction or of construction material and supplies until completed and occupied. (3) from that part of a residence premises rented by an insured person to other than an insured person. b. This peril does not apply away from the residence premises to theft of: (1) property while in any other dwelling or its premises owned, rented or occupied by an insured person except while an insured person is temporarily residing there. Property of an insured person who is a student is covered at a residence away from home if the student has been there any time during the 45 days immediately before the loss. (2) watercraft, including its furnishing, equipment and outboard motors. (3) trailers and campers.

10. Falling Objects 

• This peril does not apply to loss to property within a building unless the falling object first damages the exterior of the building. We do not cover damage to the falling object.

11. Weight of ice, snow or sleet which damages property in the building.

12. Sudden and accidental tearing apart, cracking, burning, bursting or bulging of a steam or water heating system, air conditioning system or automatic fire protection sprinkler system or a water heater.

• This peril does not apply to loss to the system, or water heater, or loss which is caused by or results from freezing.

13. Sudden and accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning or automatic fire protection sprinkler system, waterbed, water heater, aquarium or household appliance. 

• This peril does not apply to loss: a. to the system, waterbed, water heater, aquarium, or household appliance from which the water or steam escapes; b. due to continuous or repeated seepage or leakage of water, steam or moisture which occurs over a period of weeks, months or years and results in deterioration, corrosion, rust, or fungi; c. caused by or resulting from freezing; or d. on the residence premises caused by accidental discharge or overflow which occurs off the residence premises. In this peril, a plumbing system does not include a sump, sump pump or related equipment.

 14. Freezing of a plumbing, heating, air conditioning or automatic fire protection sprinkler system, waterbed, water heater, aquarium, or household appliance. 

• This peril does not include loss on the residence premises while the dwelling is vacant, unoccupied or being constructed, unless you have used reasonable care to: a. maintain heat in the building; or b. shut off the water supply and drain the systems, waterbed, water heater, aquarium and household appliances of water. In this peril, a plumbing system does not include a sump, sump pump or related equipment.

15. Sinkhole Collapse.  Sinkhole collapse means actual physical damage arising out of, or caused by, sudden settlement or collapse of the earth supporting such property and only when such settlement or collapse results from subterranean voids created by the action of water on limestone or similar rock formations.

16. Sudden and Accidental Damage from Artificially Generated Electrical Current 

• This peril does not include loss to tubes, transistors, electronic components or circuitry that are a part of appliances, fixtures, computers, home entertainment units or other types of electronic apparatus.

Do You Need Homeowners Insurance in Cincinnati?

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