8 Surprising Things Your Homeowner’s Policy May Cover

We usually think of “fine print” as a bad thing, but sometimes there’s good stuff there. The typical homeowner’s policy may include coverage you didn’t know you had. Here are 8 things included in most policies that you may be unaware of. Be sure, though, to check with your agent for information about your policy.

 

8 Surprising Things Your Homeowner’s Policy May Cover

  • If you hit someone while riding your bike – even if you’re away from your home – your homeowner’s policy will probably cover that.
  • Usually your homeowner’s policy will cover damage to a grave marker, even if the cemetery is miles away.
  • If you’re sued for slander (“a malicious, false or defamatory statement”) or libel (“defamation by written or printed words”), the liability coverage in the typical homeowner’s policy will cover that.
  • If you’re a dog lover, you’ll be happy to know that the typical homeowner’s policy covers dog bites, generally with limits of $100,000 to $300, 000. That’s good news: according to the Insurance Information Institute, the average cost of a dog-bite claim is over $25,000. There may be exclusions for certain breeds that are known for aggressive behavior and account for a large share of injuries. Some communities are requiring liability for certain breeds. As always, check with your agent.
  • Personal property coverage included in homeowner’s policies also covers college students who live on campus. Most of their personal possessions are automatically covered by the parents’ homeowner’s policy.
  • Since nearly 10% of Americans currently rent a storage unit (according to the Self-Storage Association), it’s good to know that you’ll have protection there, too, for losses from fire and theft. Check your policy, of course, but typically off-premises coverage is limited to 10% of the policy limits. Be aware that flooding, earthquakes, and damage from mold and mildew may not be included. (Bankrate.com)
  • Things dropping out of the sky….you’re covered there, too.
  • And finally, skunk odor is covered. If some wild critter gets into your house and causes damage, that’s an insurance claim.

10 thoughts on “8 Surprising Things Your Homeowner’s Policy May Cover

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