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Do I Have an "All Risk" or "Named Peril" Policy
Be sure you know which type of policy you have and what causes of loss will be covered.
All Risk: Most, but not all, homeowner insurance policies sold are "all risk" which means they cover the largest number of causes of loss (freezing, collapse, fire, windstorm, smoke, etc.). However, there are some exclusions in all homeowner policies, including but not limited to damage caused by flood, war, neglect, and power failure.
Named Peril: Some homeowner insurance policies limit the covered causes of loss to those specifically listed or “named” in the policy.