Protect your property against fire, theft, vandalism, etc.
All Risks Insurance covers the most common risks that could directly damage your property.
Basic coverage includes risks such as fire, theft, vandalism, damage due to wind, certain types of water damage, falling objects, and a vehicle hitting your house.
All Risks Insurance also covers most accidents people don’t usually think of when buying insurance.
All insurance policies—including “all risk” policies— have exclusions such as normal wear and tear, gradual deterioration or mechanical failure. Some exclusions (i.e. earthquake, sewer back-up, etc.) can be insured with optional protection.