Unexpected Homeowners Insurance Coverages

Learn about some of the surprising things your homeowners insurance will cover.

While most homeowners understand that their insurance will cover physical damages to their home, they are unaware that their homeowners insurance covers so much more.  In fact, there are quite a few unexpected things covered under your policy.  Here are some of the surprising coverages.

Rotten Food

A standard homeowners insurance covers most major home appliances, including your refrigerator.  Sometimes, this coverage even extends to the food inside it as well.  If your power goes out or if your fridge breaks, then your insurance might actually cover the cost of the spoiled food inside.

Dog Bites

In addition to property coverage, your homeowners insurance policy also includes personal liability coverage.  This coverage extends to pet-related liability issues, such as a dog bite.  If your four-legged friend took a snap at your neighbor, then your insurance would take care of their medical fees and would cover your legal expenses should your neighbor decide to sue.  Just make sure that your dog is explicitly covered in your policy.  Some insurers refuse to extend coverage to certain, “dangerous” breeds of dogs.

Your Belongings as You Travel

Finally, many homeowners are unaware that their insurance actually covers the belongings they carry with them as they travel.  For instance, if your laptop was stolen as you vacationed abroad, then your policy would likely cover this loss.  Just be aware that this coverage has limits.  If you are travelling with a particularly valuable item, then you might need to seek additional coverage to get all the protection you need.

These are some of the things you might be surprised to learn are covered under your homeowners insurance.  Do you have more questions regarding your homeowners insurance?  Then don’t hesitate to contact the experts at Robert J. Los Insurance Agency in Hamburg, New York.  Our dedicated team is ready to get you the coverage you need today.