Named Perils
Named perils are specific occurrences listed in your policy that could lead to damages or losses to your stuff.
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Named perils are specific occurrences listed in your policy that could lead to damages or losses to your stuff—if any of these were to ruin something you own, your cover could kick in to help you pay for it.
Now that we’ve given you a TL;DR named perils definition, let’s dive a bit deeper into how named perils work and what it all means for your insurance policy.
Zooming out a bit, insurance is there to protect you and your stuff from sudden, unexpected events. But what’s defined as sudden and unexpected exactly?
That’s where named perils come in.
Named perils are a list of 14 bad things that could cause damage or losses to your stuff explicitly listed out in your policy as qualifying for cover. They apply to direct, physical loss or damages so, for example, if a fire broke out (a named peril) ruining your couch, TV, and computer, you could file a claim and your insurer could financially help you out.
If the following insurable perils befall anything you own (your personal property), you’ll be able to file a claim and receive compensation from your insurer, minus your excess, if it’s approved.
14 Named Perils:
Notably, named perils don’t cover losses or damages that could have been prevented.
For example: Say you’ve had the same microwave for 15 years. It doesn’t really heat stuff up anymore, but hey, it still turns on, and you’re on a tight budget living in central London and all. If that microwave short circuited and caused a fire destroying your stuff, your insurance wouldn’t necessarily cover the losses.
Why’s that?
This would go under the category of situations that could have been avoided with proper maintenance and care. Now, if it was a brand new microwave and the same thing happened, you’d probably be covered, since it’d definitely fit the parameters of “sudden and accidental.”
You might have also noticed that ‘Theft’ isn’t on this list, but burglary and robbery are. That’s because insurance defines burglary as something that takes place in your home and theft could happen anywhere. If you want to cover yourself for theft outside your home, you’ll need to purchase our, Theft and Loss cover add-on. So, if your bag is stolen on the Tube, you won’t be able to rely on your contents insurance—unless you’ve purchased this add-on.
Learn about more add-ons you can purchase to pimp your policy.
Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.