Does Homeowners Insurance Cover Explosions?

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While explosions are uncommon and may not cross your mind very often, the truth is that they can happen to anyone. In fact, a 2015 study found 3,400 natural-gas pipeline leaks across Boston and 5,900 leaks in Washington, D.C. With gas pipeline leaks being such a silent threat, it’s good to know whether or not homeowners insurance covers explosions. 

What Is Usually Covered

Standard home insurance can vary depending on the state in which you live and the company that provides the coverage. However, the most common perils covered by insurance companies include: 
  • Fire and smoke 
  • Lightning strikes 
  • Windstorm and hail
  • Explosions
  • Vandalism and malicious mischief 
  • Damage from an aircraft, car, or vehicle 
  • Theft
  • Falling objects 
  • Weight of ice, snow, or sleet 
  • Water damage 
So, there’s a very good chance your insurance covers explosions. However, the damage may be more extensive than you think. 

The Complexity of Explosions

One thing that may not have crossed your mind is the scope and type of damage that explosions can leave behind. In many cases, they will activate different coverage areas in your policy at once. 
Once an explosion occurs, it’s common for a fire to follow, especially if we’re talking about gas leak explosions caused in places like the kitchen. The fire will then demand the presence of firefighters who will extinguish the flames with water. Now, we are talking about three types of damages: explosion, fire, and water damage. Thankfully, these all fall under standard insurance coverage. 
Additionally, depending on the damage caused, people are often unable to live in their homes after a fire. In this case, yet another part of the insurance is enacted—additional living expenses coverage. This would allow the affected family to find another place to live while their home gets repaired, all under the policy’s coverage. 

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