The majority of standard home insurance policies cover damages caused by “covered perils” to your dwelling, other structures, and personal property. A covered danger is one more approach to alluding to what causes the harm (like breeze).

Your personal liability (in the event that someone gets hurt on your property) and loss of use of your home (if it becomes inhabitable, for instance) may also be covered by home insurance.

https://youtu.be/2PHpThDmNb8