All Other Like Perils refers to a term commonly used in insurance policies to describe a category of risks or hazards that are not specifically listed or excluded in the policy. It encompasses any perils or events that may cause damage or loss to insured property, except for those perils that are explicitly mentioned or excluded in the policy. These perils typically include natural disasters such as earthquakes, floods, hurricanes, and tornadoes, as well as man-made events like riots, civil commotion, vandalism, and explosions. The coverage for All Other Like Perils provides a broad level of protection to policyholders, ensuring that they are financially compensated for damages caused by unforeseen and unlisted perils, subject to the terms and conditions of the insurance policy.
“All Other Like Perils” is a term commonly used in insurance policies to refer to risks or perils that are not specifically listed or excluded in the policy. It is a catch-all phrase that provides coverage for any unforeseen or unexpected events that may cause damage or loss to the insured property.
The term “perils” generally refers to events or circumstances that can cause harm or damage, such as fire, theft, vandalism, or natural disasters. Insurance policies typically list specific perils that are covered while excluding others. However, the inclusion of the “All Other Like Perils” clause ensures that the policy provides coverage for any perils that are similar in nature to those listed.
The interpretation of “All Other Like Perils” may vary depending on the specific policy and jurisdiction. The courts generally interpret this clause broadly to provide coverage for any perils that are similar in nature to those listed in the policy. However, it is important to note that this clause does not cover intentional acts, wear and tear, or damage caused by the insured’s negligence.
In summary, “All Other Like Perils” is a provision in insurance policies that extends coverage to unforeseen or unexpected risks that are similar in nature to those specifically listed in the policy. It provides additional protection to the insured against potential losses or damages caused by events not explicitly mentioned in the policy.
This site contains general legal information but does not constitute professional legal advice for your particular situation. Persuing this glossary does not create an attorney-client or legal adviser relationship. If you have specific questions, please consult a qualified attorney licensed in your jurisdiction.
This glossary post was last updated: 11th April 2024.
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