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Most homeowners policies cover all disasters listed below. Some policies provide coverage only for the first 10 disasters listed. Check your insurance policies for the "perils" covered.

Dwelling & personal property Dwelling Personal property Dwelling & personal property
Perils Basic HO-1*+ Broad HO-2* Special HO-3* Special HO-3 Renters HO-4 Condo/ Co-op HO-6 Modified Coverage HO-8
1. Fire or lightningxxxxxxx
2. Windstorm or hailxxxxxxx
3. Explosionxxxxxxx
4. Riot or civil commotionxxxxxxx
5. Damage caused by aircraftxxxxxxx
6. Damage caused by vehiclesxxxxxxx
7. Smokexxxxxxx
8. Vandalism or malicious mischiefxxxxxxx
9. Theftxxxxxxx
10. Volcanic Eruptionxxxxxxx
11. Falling Object xxxxx 
12. Weight of ice, snow or sleet xxxxx 
13. Accidental discharge or overflow of water or steam from within a plumbing, heating, air conditioning, or automatic fire-protective sprinkler system, or from a household appliance. xxxxx 
14. Sudden and accidental tearing apart, cracking, burning, or bulging of a steam or hot water heating system, an air conditioning or automatic fire-protective system. xxxxx 
15. Freezing of a plumbing, heating, air conditioning or automatic, fire-protective sprinkler system, or of a household appliance. xxxxx 
16. Sudden and accidental damage from artificially generated electrical current (does not include loss to a tube, transistor or similar electronic component) xxxxx 
All perils except flood, earthquake, war, nuclear accident, landslide, mudslide, sinkhole and others specified in your policy. Check your policy for a complete list of perils excluded.  x    
* HO-1, HO-2 and HO-3 refer to standard Homeowners Policies.

+HO-1 has been discontinued in most states.

Disasters not covered

You can purchase flood coverage directly from your Aloha Insurance homeowners insurance agent. Flood insurance policies, however, are provided by the Federal Flood Insurance Program ( ).

You can get replacement cost coverage for the structure of your home, but only actual cash value coverage is available for your possessions. There may also be limits on coverage for furniture and other possessions stored in your basement.

Flood insurance is available for renters as well as homeowners. You will need flood insurance if you live in a designated flood zone. But also consider buying it if your house could be flooded by melting snow, an overflowing creek or water running down a steep hill. Donít wait until the evening news announces a flood season warning to buy a policy. There is a 30-day waiting period before coverage takes effect. Click here for more information about Flood Insurance.


Earthquake coverage can be a separate policy or an endorsement to your homeowners or renters policy. Please call your Aloha Insurance Customer Service Representative for more information regarding earthquake coverage.


While most homeowners insurance covers damages from windstorms, a Hurricane is a different matter. Storms named by the World Meteorological Organization with sustained winds in excess of 74 mph are officially hurricanes. Damages resulting from these events are not covered by a standard homeowners insurance policy, but is covered by Hurricane insurance which is available. Don't wait to consider this important coverage. Coverage is difficult to obtain during hurricane season, and is not available at all if there is already a storm headed your way. Call your Aloha Insurance agent for more hurricane insurance information.

Maintenance damage

It is your responsibility to take reasonable precautions to protect your home from damage. Your insurance policy will not cover damage due to lack of maintenance, mold, termite infestation and infestation from other pests.

Portions courtesy of and © Insurance Information Institute ( Copyright © 2001-2020 Aloha Insurance Services, Inc. Kona HI All rights reserved.
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