What Crashed Into Your Home?! Four Situations That Your Need To Get Covered With Your Homeowners Insurance

You can never be too careful when it comes to getting insurance coverage for your home, especially if you are plagued with bad luck. If nothing seems to be going your way and you have constant run ins with bad luck, there is a policy that will cover it. Below is a list of the most unfortunate and random situations that people don't think to get covered for but are actually offered with most homeowners insurance.

Eruptions

You never really think that you will need coverage for volcano eruptions until you are right in the middle of the disaster. In places where your home is close to a volcano site, dormant or active, homeowners insurance companies will offer polices to cover the damage sustained during the eruptions. For example, if your home or property sustained damage from the ash or dust or even lava from the volcano erupting, your insurance will cover it. If the eruption causes earthquakes or landslides and your house and property is damaged by that, the insurance will not cover it, however.

Relocated Parties Or Events

Homeowners insurance actually covers more than just the home. For instance, if you are planning a huge celebration but then have to relocate because a fire or overflowed septic tank, you can get reimbursed for moving the event to another place. This covers if your home is damaged by a sudden flood too. It's not as easy as just calling your insurance, making a claim and getting your money back, though. You have to first prove that the disaster wasn't caused by your negligence.

Spoiled Food

You wouldn't think that insurance can cover food, but it does. If the power goes out in your home, for any reason that is out of your control, homeowners insurance will cover up to $500 for spoiled food. If your power goes out because you did not pay the bill or because you caused a short throughout your home, the insurance will not cover it. To make the claim, you have to provide the insurance company with pictures of the food before they will reimburse you for it.

Spacecraft Damage

Life happens, and if bad luck follows you around, a spacecraft crashing into your home may not be that farfetched. Most homeowners insurances will offer a policy to protect your home in the event that anything orbiting or flying in the sky comes crashing through your home. This policy will cover anything from airplanes to satellites and spacecraft equipment.

It is important to ensure your home in protected at all costs and from all situations, even the odd and outrageous. You never know when a volcano will erupt or a satellite will fall from the sky.

For homeowners insurance, contact a company such as G William Collier Agency.