By Zack Devin
Home insurance is a must-have for homeowners, providing essential financial protection against natural calamities, fires, and theft. Most people think that home insurance only covers the obvious: storm damage, break-ins, or fire. But the truth is, your home insurance might cover a wide range of unexpected situations that you never thought about.
In the age of digital solutions, managing your home insurance has never been easier, thanks to innovations like the home insurance app, which allows you to view your policy, file claims, and track your coverage all from the comfort of your home. By understanding all the nuances of your policy, you can be sure that you’re getting the most out of it.
Let’s take a look at some surprising things your home insurance might cover.
Things That Home Insurance Covers
- Dog Bites and Pet-Related Incidents
Most people know that home insurance can help cover the cost of damages to your property, but did you know it can also cover your pets and their activities? If your dog bites someone, your liability coverage can help cover their medical bills and any legal fees that arise from the incident. Some policies even extend this coverage to other pets, though there may be exclusions based on breed, so it’s worth confirming the details of your policy.
- Accidental Damage by Kids
If you have children, you know how accidents happen. Whether it’s a spilled drink that ruins the carpet or a broken window during playtime, your home insurance liability coverage can help pay for the damage caused by your children. This includes situations where your child breaks something at a neighbour’s house or causes harm to someone else on your property.
- Temporary Living Expenses
If your home becomes temporarily uninhabitable due to damage from a covered event (such as a fire, storm, or flooding), home insurance typically provides coverage for living expenses while your home is being repaired. This includes costs for temporary accommodation, food, and even storage for your personal items. It ensures you’re not left scrambling for a place to stay while your house is being restored to its former state.
- Home Office Equipment
In today’s remote-working environment, many people have invested in home office equipment. If your work equipment is damaged due to a covered event (such as fire, flood, or theft), your home insurance may help you recover the costs for replacement or repairs. Some policies offer additional protection for business-related items, but it’s worth confirming with your insurer to ensure that your office gear is fully covered.
- Damage from Bursting Pipes
Most home insurance policies cover damage caused by bursting pipes. This could include water damage to walls, flooring, and furniture. However, it’s important to note that flood damage due to rising water is usually not included and requires separate flood insurance.
- Damage Caused by Wild Animals
Wild animals like raccoons or deer can cause significant damage to your home, from chewing through electrical wires to breaking into attics. The main structure of your home, including attached structures like garages and decks and detached structures like sheds and fences is covered. Many home insurance policies cover damage caused by wild animals, but be aware that damage from rodents or pests, like termites, usually isn’t covered.
Conclusion
Home insurance is more comprehensive than most people think, offering coverage for a wide range of unexpected situations. From minor incidents to rare events like falling meteors, your home insurance policy could be a lifesaver in times of need.
By understanding what’s covered under your policy, using a home insurance app to stay updated, and ensuring you have the right coverage, you can financially protect yourself and your home from a variety of potential risks. Don’t wait until it’s too late — take a closer look at your policy and maximise the benefits available to you.
