Learn about the surprising things covered under your homeowners insurance.
While most homeowners have the necessary insurance to protect their home, belongings, and loved ones, many do not realize the extent of their insurance coverage. In actuality, your homeowners insurance covers far more than the damages to your home. Here are some of the coverages that might surprise you.
Tombstones
Believe it or not, but tombstones are considered personal property and are covered under most homeowners insurance policies. Generally, most people have about $5,000 worth of coverage for their grave markers. However, this coverage does not apply if the damage was caused by the cemetery. So, make sure you investigate the source of the damage before you try to file a claim.
Dog Bites
While your homeowners insurance policy covers physical damages to your property, did you know that it also covers your personal liability issues? This coverage extends to pet-related liability issues such as dog bites. For instance, if your dog were to bite your neighbor, your homeowners insurance would cover their medical fees and your legal costs should your neighbor file a lawsuit. Just make sure that your four-legged friend is explicitly covered in your policy. Some insurers refuse to cover certain, “dangerous” breeds of dogs.
Your Belongings as Your Travel
Finally, many homeowners might be surprised to realize that their policy covers the belongings that they carry as they travel. For instance, if your laptop was stolen while on vacation in Jamaica, then your homeowners insurance will likely cover this loss. Just be aware that this coverage has limits. If you are traveling with a particularly valuable or expensive item, you might need to seek out additional coverage.
These are some of the surprising things covered by your homeowners insurance. Do you still have questions regarding your home insurance coverage? Don’t hesitate to contact us at Phocus Insurance in Phoenix, Arizona. Our dedicated team is ready to assist you with all your insurance needs.
