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.

UPDATED: Jul 19, 2021Fact Checked

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Jul 19, 2021

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UPDATED: Jul 19, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

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