Homeowners insurance covers damages caused to your home by various perils. A peril is often defined as a serious and/or immediate danger that threatens your home. Perils included in your homeowners insurance policy typically include wind, hail, aircraft, riot/civil commotion, vehicles, explosion and smoke. These perils may be covered under one policy or a homeowner may own separate policies for certain perils (i.e. a fire policy).
There are specific limitations and exclusions associated with each one of these perils, so you should refer to your insurance agent if you have any questions regarding your coverage.