Six Things Covered by Homeowner’s Insurance

 

You’re confident your home is covered for burglaries, tornadoes, and fires. If any of these disasters occur, you know to contact your agent right away. You might be surprised to discover that the following situations also warrant a call to your insurance provider. These unusual costs might be covered under your homeowner’s policy.

When Fido gets feisty:

Did you know dog bites account for about a third of homeowner’s insurance claims? Most policies offer liability and medical coverage for any damages your dog causes to an injured party.

When vandals attack:

Are you the caretaker of a family headstone? If your loved one’s memorial is vandalized, your homeowner’s policy may provide for repairs. Even though the headstone isn’t on your property, it’s still your property.

When dorm living goes south:

Is your child moving into a dorm this fall? If his or her property is stolen from the dorm room, you can file a claim. Your homeowner’s policy may consider your child’s belongings “off-premises personal property,” so that they will be covered by your insurance.

When groceries go bad:

Have you ever experienced an extended power outage? If a lack of power causes your food to spoil, you may be able to recoup the cost of the extra grocery bill. Contact your agent to see if this falls under your homeowner’s policy.

When firemen call:

Did you call the fire department to save your home? You might receive a bill for their services. If so, your homeowner’s policy may cover this fee. Coverage may depend on the reason for the call.

When the cows come home:

Do you live near a ranch? Most people don’t, but it’s comforting to know that any damage caused to your property by a stampeding herd of cows is covered under your homeowner’s policy. Just in case.