Specified Perils means that the only insured perils are those caused by.

Does specified perils cover theft. If a peril is excluded you do not have coverage against that particular risk. Obviously a loss caused by any insured is not covered. The comprehensive portion of your policy pays for loss due to perils like hail flood theft fire glass breakage falling objects missiles explosions earthquakes windstorms vandalism or malicious mischief riot or civil commotion and collision with a bird or an animal.

Comprehensive or All perils other than collision include loss by fire lightning explosion theft windstorm hail earthquake flood mischief vandalism falling objects or the sinking burning collision or derailment of any conveyance transporting the auto. It often goes hand in hand with Collision coverage as an alternate to comprehensive cover but it can be purchased separately. Also known as named perils these are the types of damages that are directly mentioned in the text of your policy and thereby covered.

Specified Perils doesnt cover things like vandalism windshield damage or hitting an animal. Contact The Standard for a Boat Insurance Quote. Fire engulfs your next-door neighbours house spreads to your garage and destroys your insured car or truck.

But if someone spray-paints graffiti on your garage door and the graffiti must be removed and the door cleaned the damage is due to an insured peril vandalism. For example your policy may name specific perils such as. You cant steal your own property and make a claim and you cant make a claim if your spouse or another insured steals something even if they pawn the item.

Comprehensive coverage helps in those cases. Named perils covers common risks such as theft and weather damage. However it does not cover vandalism and glass breakage which is.

What is Protected by Specified Perils Coverage. When choosing make sure you are clear about what perils are included in your policy. Theft or attempted theft.