1. Fire: If your home is damaged or destroyed by a fire, your home insurance policy typically covers the cost of repairs or rebuilding.

2. Windstorm/Hail: Damage caused by windstorms or hail, such as roof damage or broken windows, is usually covered by home insurance.

3. Theft: If your personal belongings are stolen during a burglary or theft, your home insurance policy can reimburse you for the value of the stolen items.

4. Vandalism: Damage to your home or property caused by vandalism is typically covered by home insurance.

5. Water Damage: Home insurance may cover water damage resulting from sudden and accidental events, such as burst pipes, plumbing leaks, or appliance malfunctions.

6. Falling Objects: Damage caused by falling objects, such as trees or branches, is generally covered by home insurance.

7. Explosion: If your home is damaged by an explosion, whether due to a gas leak or other causes, your home insurance policy may provide coverage for repairs or rebuilding.

8. Smoke Damage: Home insurance may cover damage caused by smoke, such as from a fire in a neighboring property or a malfunctioning appliance.

9. Damage from Vehicles: If your home is damaged by a vehicle, such as a car crashing into your house, your home insurance policy typically provides coverage for repairs.

10. Civil Unrest/Riots: Damage to your home or property resulting from civil unrest or riots may be covered by home insurance.

It's important to review your home insurance policy carefully to understand the specific covered perils and any exclusions. Additionally, certain natural disasters, such as floods and earthquakes, are typically not covered by standard home insurance policies and may require separate coverage or endorsements.