A standard homeowner's insurance policy protects against fire, lightning, wind, storms, hail, tornados, explosions, riots, aircraft wrecks, vehicle crashes, smoke, vandalism, theft, breaking glass, falling objects, weight of snow or sleet, collapsing buildings, freezing of plumbing fixtures, electrical damage, and water damage from plumbing, heating or air conditioning systems. Special coverage, such as earthquake or flood protection, typically requires a special policy.