6 Surprising Things Your Home Insurance Probably Covers

Home insurance can be a blessing. It is like a security blanket, protecting your home and property in the event of a disaster. But most people don't realize that it can cover more than just natural disasters.

There are some surprising things that your home insurance may actually protect you from. Here are a few you should know about.

1 - Wildfire Damage

In many states, homeowner’s insurance will cover damage from wildfires. For instance, you may recover the cost to repair your home. However, it's important to check with your insurer to make sure that your policy includes this coverage as it varies widely.

2 - Dog Bites

Homeowner’s insurance often covers injuries and damages caused by your pet. So if your dog bites someone while they're in your home, even if they don't live there, your liability may be covered.

Keep in mind that some insurance companies may not cover bites caused by certain dog breeds. It's a good idea to make sure that your dog's breed would not negate liability coverage homeowner's insurance would typically offer.

3 - Personal Injury to Guests

If someone is injured while at your home, your homeowner’s insurance may provide coverage if you make sure that you have personal liability coverage. This includes medical expenses if the person files a suit against you or requires medical attention due to an injury sustained in your home.

4 - Vandalism

Vandalism to your home or property is usually covered by homeowner’s insurance. This could include broken windows, graffiti, or other acts of vandalism. Even if you aren't certain who caused the damage, you can recover the funds.

5 - Identity Theft

If you become the victim of identity theft, an additional rider to your homeowner's insurance may cover some of the costs associated with restoring your identity and recovering any losses. For example, you may be able to get reimbursed for legal fees, lost wages, and the cost of repairing your credit.

You can contact your homeowner's insurance company to make sure that your policy includes this rider.

6 - Loss of Use

In the event that you cannot use your home due to damage from a covered peril, loss of use coverage may provide financial assistance for living and storage costs. This may cover a rental or hotel.

Contact Your Home Insurance Provider

Having home insurance can give you peace of mind in knowing that if something unexpected happens, your policy may have your back.

Be sure to familiarize yourself with all the coverage that your home insurance policy provides, so you can be sure that you're adequately and appropriately protected.

To learn more, contact a home insurance agency in your area such as Del Toro Insurance North Miami Beach.