A peril is an event, like a fire or break-in, that may damage your home or belongings. The perils covered by your homeowners insurance are listed in your policy.

The list of mishaps you're protected against ("perils" in industry speak) is broad. Here's a look at what the Insurance Information Institute says are some of the most common perils covered by a typical homeowners insurance policy:

Fire and smoke
Lightning strikes
Windstorms and hail
Explosion
Vandalism and malicious mischief
Damage from an aircraft, car or vehicle
Theft
Falling objects
Weight of ice, snow or sleet
Water damage

Check your homeowners insurance policy to learn what perils it covers.