8 Bizarre Things Your Home Insurance May Cover

There is often a lot of confusion regarding what a homeowner’s policy actually covers. Some may think their home policy covers when there is a flood, but depending on your specific coverages, most of the time it is a mistake to think this. There are many things you’d be surprised to hear that are indeed covered by your policy. As with any other type of insurance, coverages vary based on your state, your insurance company, and your specific policy.

  1. Dog bites. If your dog is responsible for injuring someone, your homeowner’s policy may cover the medical bills, depending on your breed of dog.
  2. What are the odds that an airplane or a blimp may fall on your property and destroy your home? Well, if it does, your insurance might just have your back.
  3. If your child is legally and financially dependent on you, you may be covered if he/she accidentally throws a ball, breaking a window. Even if older than 18.
  4. Your power goes out after your trip to the grocery store when you stocked up on expensive meats. Everything is spoiled. Some standard homeowners policies will cover up to $500 of spoiled foods.
  5. If a new law is passed that requires you to make updates on your home appliances, check and see if your insurance policy covers the price for that.
  6. Vandalism or damage to a family tombstone may be covered, regardless of whether it’s located on another property.
  7. In the event that a bear ends up on your property wreaking havoc, you may have coverage.
  8. Eerily, if a murder or death occurs on your property, the clean-up of the mess could be covered.

If you have any questions about strange things your policy might cover, ask your independent insurance agent.

By: KayLynn P.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

When Was the Last Time You…?

Ready for a Trip Back Into Time?

Business Insurance for Start-ups

Protect Your Business from the Very Start with a Custom Business Insurance Plan

Life Insurance Is Not About You

There are Many Good Reasons to Get Life Insurance. You May Not Be One of Them.

Big Boy Toys and Auto Insurance

Make Sure Your Motorized Toys are Covered

Six Common Homeowners Insurance Mistakes

Avoid These Common Errors When Buying Homeowners’ Insurance

Five Recent Fads That Came and Went Quickly

Wow! What Was That? Oh, It Was the Latest Fad.

Are You Legally Required to Carry Business Insurance?

What Type of Business Insurance May Your Business Be Required to Carry?

Four Needs Life Insurance Can Help Fulfill

Life Insurance May Be More Versatile Than You Think

Car Insurance FAQ’s

The Questions We Hear Most Often Regarding Automobile Insurance

Five Quick & Easy Ways to Save on Homeowners Insurance

Saving Money on Your Homeowners’ Insurance May Be Easier Than You Think!

Leave a Comment