Homeowners Insurance: Named vs. Opened Perils

A typical homeowners insurance policy will provide coverage for both "named" and "open" perils. But what are homeowners insurance named and open perils? Named perils are potentially harmful events that are named in your policy. Named peril examples include lightning, wind damage, and vehicle damage. Policies can vary. The open perils definition is that it will cover all other damage to your home except for causes of damage that are specifically named in the open perils section. Typical open peril exclusions include flooding and earthquakes — both of which usually have to be covered separately.

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UPDATED: Jul 19, 2021

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