Six Ways Your Homeowner’s Insurance May Protect You That You Weren’t Aware

Six Ways Your Homeowner’s Insurance May Protect You That You Weren’t Aware

You probably purchased homeowners’ insurance for two reasons. Your mortgage lender may have required you to carry it and In addition, you likely wanted the protection a homeowners’ insurance policy provides in the event of catastrophic damage to your home. Many homeowners’, however, fail to realize that there are potential additional benefits to a homeowners’ insurance policy they may not be aware of. Here are six ways your homeowner’s insurance policy may offer additional protection.

  1. Living Expenses. A homeowners’ insurance policy may not only pay for the repairs or reconstruction of your home, but it may also offer benefits that will cover your living expenses while your home is being repaired or rebuilt. This can be significant as a home could take months to restore into pre-catastrophe condition. Covered expenses could include a hotel or short term rental, utilities and even an allowance for food and laundry.
  2. Items Lost or Stolen While Traveling. It is likely your homeowners’ insurance policy has provisions to cover luggage and other personal items that may be lost or stolen while traveling. This may even include items that are lost while being shipped back to your home. If your hotel room is broken into or if a bag is stolen while on a train, your homeowners’ insurance policy may cover your losses.
  3. Damaged or Vandalized Grave Markers.It’s true. If a grave marker or headstone has been stolen or vandalized from a grave that you own, it is likely your homeowners’ insurance policy will cover the loss. Most policies have minimal limits however, often $1,000.
  4. Losses Resulting from a Power Outage. A loss of power can lead to a variety of losses including significant losses of refrigerated and frozen foods. Depending on the deductible, these losses can at least be partially covered by homeowners’ insurance.
  5. Actions of a Pet. Should an insured’s dog bite or a cat scratches a friend, neighbor or delivery person, homeowner’s can be held liable. A homeowners’ insurance policy will provide coverage for the policyholder in the event of a dog bite.
  6. Falling Debris. Many homeowners may be surprised to learn that they would be covered should falling debris strike their home. This includes such anomalies as a meteor or debris from a passing airplane. It may be unlikely but it is comforting to know a homeowners’ insurance policy can offer protection in such circumstances.

Anytime you experience a loss or threat involving your home, contact your homeowners’ insurance company. You may not always be covered for every issue. On the other hand, you may have coverage in some unexpected ways.

If you have questions about your homeowners’ insurance policy or would like to get a quote, please contact our independent insurance agents. We will go to work for you in getting the coverage you deserve at a competitive price.


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

Your Life Insurance Policy: A Secret Savings Account?

Don’t Cash Out! Unlock the Hidden Benefits of Your Life Insurance Policy (Free Quote Included!)

Don’t Be a Drain! The Essential Fluids Your Car Needs to Flow

Car Care 101: Essential Fluids Explained (Don’t Get Stuck on the Side of the Road!)

How to Maximize Your Chances of Getting Your Security Deposit Back

Moving Out? Don’t Leave Your Money Behind! Get Your Security Deposit Back Every Time (and Maybe Even Renters Insurance!)

Garage Sale Gold! How to Turn Trash into Treasure (and Cash!)

Don’t Trash It, Sell It! Pro Tips for a Successful Garage Sale (and Extra Cash!)

Don’t Let Your Business Go Up in Smoke! Top 5 Causes of Commercial Fires (and How to Prevent Them)

Commercial Fire Safety: Protect Your Business from the Top Fire Threats (Free Quote Included!)

Taming the Paper Tiger: How to Keep Important Documents Safe

Don’t Let Your Important Documents Become Disaster Snacks! Safe Storage Tips Inside

A Fun Ride Through Auto Racing History (and How to Save on Insurance!)

Need for Speed: A History of Auto Racing in the US (Plus Save on Car Insurance!)

Dive into Safety: Essential Pool Tips for Fun (and Peace of Mind!)

Poolside Paradise or Potential Peril? Top Pool Safety Tips for Families

Presidential Quirks: From Wrestling Champions to Bowling Alleys in the Basement

Don’t just know their policies – Dive into the weird and wonderful world of Presidential Quirks!

So You Want to Be Your Own Boss? A Reality Check for Budding Entrepreneurs

From Dream to Reality: Essential Considerations Before Launching Your Small Business