A peril, in the context of insurance, refers to an event that may cause damage to your home or belongings. Some examples of perils covered by homeowners insurance include fire, lightning strikes, windstorms, hail, theft, and water damage
. Perils are the events that cause loss or damage to property, and insurance policies use perils to describe what kinds of damage or loss the policy will cover
. It's important to note that a covered peril is an event that your insurance will cover when you file a claim
. In general, a peril is an exposure to the risk of being injured, destroyed, or lost, in other words, a danger
