Along with the 11 basic home perils (fire or lightning, windstorm or hail, explosions, riot or civil commotion, damage from aircraft, damage from vehicles, smoke damage, vandalism, theft, volcanic eruption, glass or safety - glazing material damage), you might want to make sure your home insurance policy
covers ice dams, frozen pipes, snow damage.
Standard homeowners and renters policies
cover winter - related disasters such as burst pipes,
ice dams and wind damage caused by weight of
ice or snow, as well as fire - related losses.