..... insurance covers vehicle damage or loss from fire, theft (except by an employee or member of your household), vandalism, falling or flying objects, malicious mischief, lightning, windstorm, earthquake, hail, impact with animals or missiles, riot, civil commotion, and rising water.

English as a Second Language Single question discussions
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..... insurance covers vehicle damage or loss from fire, theft (except by an employee or member of your household), vandalism, falling or flying objects, malicious mischief, lightning, windstorm, earthquake, hail, impact with animals or missiles, riot, civil commotion, and rising water. (*) Blanket (*) Comprehensive (*) Umbrella (*) Universal

This is a companion discussion topic for the original entry at https://english.best/questions/10304,___-insurance-covers-vehicle-damage-or-loss-from-fire-theft-except-by-an-employee-or-member-of-your-household-vandalism-falling-or-flying-objects-malicious-mischief-lightning-windstorm-earthquake-hail-impact-with-animals-or-missiles-riot-civil-commotion-and-rising-water/