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Surprising Things Homeowners Insurance Covers

Mon, Mar 16, 2020 at 12:03PM

Surprising Things Homeowners Insurance Covers

Some people are pleasantly surprised to learn that their homeowners insurance policies usually cover more than just the house. In fact, you might be covered for things that you didn’t previously consider, or that you’re paying for in other ways. Along with potential savings, knowing about these details could improve safety for you and your loved ones, and also protect your property from any variety of external threats.

Potential coverage includes protection against some lawsuits, random accidents, falling objects, living expenses, and more. At the same time, it’s important to know and understand what your policy won’t cover. That helps you avoid an awkward or uncomfortable situation. Read on to learn more about the essential impact of securing high-quality homeowners insurance.

What’s Covered

You already know that homeowners insurance can protect your property and even residents in the event of unforeseen circumstances. But did you know that it often goes much further than that? For example, depending on your policy you could get coverage from drone accidents, space debris, pet damage, even unauthorized use of your financial accounts.

Other policies could cover provisions such as interior design, landscaping features, civil unrest, evacuation expenses associated with some natural disasters, lost wages, medical bills for guests injured in your home, and similar. Speak with a friendly and knowledge agent to learn more.

What Might Be Covered

Depending on your policy, there are other scenarios in which you could be covered. For instance, if you’re legally-required to make updates to your residence, that might be something your homeowners insurance would cover.

If there’s a wildfire nearby that damages your personal property, that could be a claim. When a neighborhood youth accidentally sends a baseball through your window, you could recoup some or all of the replacement costs through your policy. In some cases, even damage or vandalism to gravestones may be considered.

Rather than play a guessing game, it’s important to speak with a trusted and reputable insurance agent who can help you select homeowners and other integral insurance safeguards to keep your loved ones and property protected.

What’s Not Covered

Of course, homeowners insurance can’t and doesn’t cover everything. Along with the mentioned (and unexpected) includes, there are some things not part of most polices of which you should be aware. For example, flooding is not part of most property coverage. Similarly, if you experience a sewer backup at your residence, it’s likely you won’t be able to make a claim. The same could be true for mold and termite damage. Luckily, it’s possible to secure comprehensive flood insurance and other essential coverage.

While some policies cover damage sustained from swimming pools, trampolines, and other recreational equipment, that’s not an across-the-board provision. Instead of assuming, it’s best to get the facts from (and get to the bottom line with) a dependable insurance agent.

For more than 18 years, we’ve been proud to work with property owners just like you. Along with homeowners insurance, we also provide a variety of other coverage. That includes tree care, automobile, business and commercial, risk management, construction, and flood insurance. Contact us today to learn more about how you can protect yourself, your family, and your property.


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