Coverage A generally insures the house and/or attached structures for risks other than those that are excluded: 

• Fire and lightning
• Windstorm, hail, tornadoes and hurricanes-in most states (but not in coastal areas)
• Explosions
• Vandalism and malicious mischief
• Riot and civil unrest
• Damage from vehicles
• Sudden, accidental damage from smoke
• Weight of snow, ice and sleet
• Freezing of plumbing
• Sudden, accidental tearing, cracking, burning or bulging of a steam pipe or hot water heating system
• Other damages stated in your policy

Coverage A does not typically cover damage or loss resulting from:

• Increased costs due to Ordinance or Law
• Earthquakes, floods or any type of earth movement. Depending on where you live, hurricanes may not be covered, either. If you need to insure your home against these risks, you may be able to buy an additional policy or endorsement for each of these.
• Neglect
• War
• Nuclear Hazard
• Intentional Loss