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

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

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

Beyond Nicknames: The (Sometimes Bizarre) Tales of How American Cities Got Their Names

From Coin Flips to Greek Love: Unveiling the Hilarious Histories of City Names (and a Tip for Yours)

Small Biz Squad Unite! Why Independent Insurance Agents Are Your Secret Weapon

Ditch the Corporate Maze: Why Independent Insurance Agents Are Your Small Business Champions

Cracking the Code: Cash Value, Loan Value, Surrender Value – It’s All in the Life Insurance Policy!

Beyond the Death Benefit: Unlocking the Hidden Gems of Your Life Insurance Policy

Buckle Up for Safety: Are Cars Getting Smarter Than Crashes?

From Seatbelts to Superpowers: How Tech is Transforming Car Safety (and How You Can Benefit)

Love Your Home, Love Your Coverage: Smart Tips for Homeowners

Home Insurance Heroes: Avoid These 3 Unforeseen Disasters (and Save Money!)

From Herbie to Christine: Cars That Stole the Spotlight (and Maybe Your Heart)

Hollywood Wheels: 8 Legendary Cars That Revved Up Our Screens (and Maybe Your Insurance Needs)

Decoding Your Business DNA: Why SIC Codes Matter (and How We Can Help!)

SIC Codes: Cracking the Business Insurance Code for Better Rates & Coverage

Beyond the Payout: 6 Unexpected Perks of Life Insurance You Might Not Know

More Than Just a Payout – Unlock 6 Hidden Gems for Your Loved Ones

AutoPay Your Car Insurance? Cruise Control or Speed Trap?

Cruise Control for Car Insurance? 5 AutoPay Hacks to Avoid a Financial Fender Bender

Don’t Gamble with Your Home: Decoding the Odds with Homeowners Insurance

From Floods to Fires: Play it Safe with Homeowners Insurance Tailored to Your Zip Code’s Quirks