When you think of homeowners insurance claims, you likely think of fires, floods, and large storms. However, you may be surprised to learn that there are many other ways in which your homeowner's insurance policy may protect you and your family from losses.
Below are three surprising ways that your damages may be covered by your homeowners insurance policy:
University Dorm Room Theft
If your son or daughter is the victim of theft when they are living in on-campus housing while away at college, then your homeowners insurance policy will likely cover their losses. It is important to note that while dorm rooms are considered to be an extension to your own home for insurance purposes, this is not the case for off-campus living spaces. If they rent a room or an apartment off campus, then your kids will need their own renters insurance policy to be covered.
Animal Bite Liability
If one of your family pets bites a visitor to your home, then your home insurance policy will cover your losses for medical bills or any lawsuit that may ensue. For this reason, you should always contact your insurance agent when your family adopts a new pet to ensure that your liability is covered. Also, some breeds of dogs are excluded from homeowners insurance policies, such as:
- Doberman pinchers
- German shepherds
- Pit bulls
Also, any wolf-mix breeds are also excluded from coverage due to the fact that they are not considered to be domesticated animals.
If your power is out for an extended period of time and your food spoils, then you can file a claim with your homeowners insurance company. Some foods and drinks covered include:
- spoiled frozen foods
- spoiled meats
- wine collections
Additionally, if you use expensive cooking ingredients that are damaged by a lack of refrigeration, then those foods are covered as well.
While a disaster is never something you want to spend time thinking about, it is important to meet with your insurance agent each year to discuss your coverage options in the case that disaster strikes your home or family. As the years pass, your insurance needs will change. Simple actions such as a new pet or having your kids leave for college can easily change your insurance needs.
If you have additional questions about your specific homeowners insurance policy and the items it covers, then you should contact your insurance agent as soon as possible.