Most standard homeowners' insurance policies typically cover hazards such as fire/smoke, lightning strikes, windstorms, hail, explosion, vandalism, theft, snow, sleet, or ice, and falling objects. During our consultation, we will help you understand your options, to then conduct a cost-needs analysis in order to select the best coverage. As with any other insurance policy, it is best practice to schedule a yearly review of your plan to ensure that it meets your current needs.