# Named Perils

_Glossary_

Canonical: https://www.claimspages.com/learn/glossary/named-perils/

Coverage form that insures only against the specific perils listed in the policy, such as fire, windstorm, or vandalism.

Named perils coverage applies only when the loss is caused by one of the perils explicitly stated in the policy — for example fire, lightning, windstorm, hail, explosion, riot, aircraft, vehicle, smoke, vandalism, or theft. The insured generally must show the loss resulted from a listed peril.

Named perils forms are narrower and often less expensive than open perils. Basic and broad homeowners forms typically use named perils for personal property.



Water damage from a burst pipe may be covered as an accidental discharge peril if listed; slow seepage over months often is not a covered named peril under a basic form.