Most home insurance policies will cover you against fire, lightning, flood, earthquake, explosion, subsidence, vandalism, falling objects from aircraft, storms, falling trees and branches, impact from vehicles, theft, attempted theft, riot, civil commotion, malicious damage, accidental damage, water escape, escape of oil, landslip and heave, all of which are Named Perils. High value home insurance will offer wider All Risks cover rather than Named Perils policies, which will vary with the perils included.