Coverage A - Dwelling Coverage
Dwelling Coverage generally insures the structure, your house, and attached structures from damage resulting from these risks or perils:

Fire and lightning
Windstorm, hail, tornadoes and hurricanes-in most states
Explosions
Theft, vandalism and malicious mischief
Riot and civil unrest
Damage from vehicles
Sudden, accidental damage from smoke
Objects falling from the sky
Weight of snow, ice and sleet
Accidental discharge or overflow of water from your plumbing
Freezing of plumbing
Sudden, accidental tearing, cracking, burning or bulging of a steam pipe or hot water heating system

Coverage A does not cover damage caused by:

Earthquakes and Floods. 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.
Theft by someone who is named on your homeowners policy as an insured party.

Uninsurable Risks There are some events almost no insurance company can cover. These include damage resulting from:

War
Nuclear accident
Termite, pest or rodent damage
Pet damage
Willful damage caused by you or another covered person in your household
 

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