Many homeowners purchase home insurance thinking it only covers fire or structural damage. In reality, a homeowners insurance policy often includes valuable coverages that most people don’t even realize they have.
To get the most out of your policy, here are some lesser-known protections that may already be included.
Hidden Coverages in Your Home Insurance Policy
Depending on your policy and coverage limits, your homeowners insurance may help with:
- Legal claims and attorney fees if someone sues you for injuries or damages.
- Damage caused by your pet, if it injures someone or damages property.
- Firearm-related incidents, under certain conditions.
- Accidents caused by intoxicated guests, if alcohol was consumed in your home.
- Lost luggage while traveling, in specific situations.
- Theft from your child’s college dorm room, while living away from home.
- Stolen or lost checks and cash, up to policy limits.
- Damage to family gravestones, caused by covered perils.
- Damage to trees, shrubs, plants, and lawn on your property.
- Spoiled food in your refrigerator, due to a covered power outage.
- Stolen personal items, whether on the street or inside your vehicle.
- Fraudulent use of your credit card, within coverage limits.
- Locksmith services, after a lockout or break-in.
- Theft and burglary losses inside your home.
- Fire damage, a core homeowners insurance coverage.
- Water and electrical damage, depending on the cause.
- Liability for third-party injuries or property damage.
- Total or partial destruction of your home, from covered events.
- Broken glass, mirrors, marble, granite, sanitary fixtures, and similar materials.
Not All Policies Are the Same
Coverage limits, exclusions, and conditions vary by policy and insurer. Reviewing your policy details is essential to fully understand what protection you truly have.
Protect Your Home with Confidence
At Calidad Insurance, we help homeowners understand their coverage and ensure their policy truly protects their home, lifestyle, and financial future.
Do you need more information about any of our insurance policies? 👉 Follow this link.