Is an explosion always covered under homeowners policies?

The correct answer is that coverage for explosions under homeowners policies can vary by specific policy. This means that while many homeowners insurance policies do include coverage for explosions, there are instances where certain types of explosions or damages resulting from explosions may be excluded or limited.

Homeowners policies typically have sections that outline covered perils, which denote what is included under the policy. While explosions caused by common events, such as a gas leak, may be covered, other scenarios like those involving commercial activity or neglect might not be. Additionally, some policies might have specific exclusions or conditions that apply to different types of explosions, meaning homeowners must review their policy language carefully to understand their coverage fully.

As a result, it is crucial for policyholders to read their specific homeowners insurance policy to determine the specifics surrounding explosion coverage, including limitations or exclusions that may apply.