5 Things You Didn’t Know Were Covered by Homeowners Insurance

Homeowners insurance is a crucial investment for protecting your property and possessions.

While most people are aware that it covers damages like fire and theft, there are several lesser-known coverages that might surprise you.

Understanding the full extent of your policy can help you make the most of it.

Here are five unexpected things that are often covered by standard homeowners insurance policies.

1. Food Spoilage Due to Power Outages

If a power outage caused by a covered peril leads to spoiled food in your fridge or freezer, your homeowners insurance might cover the cost.

This is particularly useful after natural disasters like hurricanes or severe storms, which can lead to extended power losses.

2. Items Stolen Outside of Your Home

Your homeowners insurance doesn’t just cover items inside your house; it often extends to personal property stolen from your car or even while you’re traveling. So, if your laptop is stolen from a hotel room or your car, your policy might cover the loss.

3. Fallen Tree Removal

After a storm, removing fallen trees can be a costly endeavor.

Many policies cover tree removal if the tree falls on your house, garage, or fence, or blocks a driveway or ramp designed for the disabled.

4. Unauthorized Transactions on Credit Cards

If your credit card is stolen and used for unauthorized transactions, most homeowners policies offer some level of protection.

This coverage is typically limited to a certain amount, but it can provide significant peace of mind in the face of credit card theft.

5. Grave Markers

This is a less known aspect, but many homeowners insurance policies extend their coverage to grave markers, including headstones, in cemeteries.

This can cover damage due to vandalism or certain natural disasters.

Conclusion

Your homeowners insurance policy might cover more than you realize.

These unexpected coverages can provide additional value and protection, offering peace of mind in a variety of scenarios.

It’s always a good idea to review your policy thoroughly and speak with your insurance agent to understand the full scope of your coverage.

Discover the full potential of your homeowners insurance policy.

Review your policy documents or contact your insurance provider to clarify what is and isn’t covered, ensuring you’re fully aware of the protections you have in place.