What does the extended coverage for HO include?

Extended coverage for homeowners insurance typically includes specific perils that are not covered under standard policies. The correct choice pertains to perils such as windstorm, civil commotion, smoke, and hail, which are significant risks that can lead to substantial damage and are often excluded from basic coverage.

Windstorm is a common peril that can cause significant property damage, especially in areas prone to severe weather. Civil commotion includes riots or disturbances which may lead to property damage, while smoke damage can occur in a variety of scenarios, including accidental fires. Hail is another peril frequently encountered, particularly in certain regions, and can cause damage to roofing and other exterior materials of a home.

The other options include combinations of different perils that do not align with the typical offerings of extended coverage. For example, floods are generally covered under separate flood insurance policies rather than standard homeowners coverage, and earthquake coverage is often also separate. Understanding the specifics of what is included in extended coverage is essential for homeowners to ensure they have adequate protection against a wide range of potential risks to their property.