Dealing With Unfortunate Events: You May Be Surprised To Learn Your Home Insurance Covers That

27 August 2021

Robin Wells

If your home is destroyed as the result of a natural disaster or fire, you will expect your homeowners' insurance policy to cover the cost of repairing or rebuilding your home. However, you may be surprised to learn that your home insurance offers coverage for a wide range of scenarios that you never even thought of. Continue reading to learn more about a few of the scenarios that are commonly covered without homeowners even realizing they are protected. 

Dog Bites

Even the most mild-mannered pets can suddenly decide to bite someone if they are provoked, feeling ill, or are exposed to some other outside force that impacts their normal good behavior. If this happens, you could find yourself on the hook for the cost of any related medical bills, as well as other damages, such as pain and suffering. Thankfully, there is a good chance that your home insurance policy will actually help to cover these costs. However, it is important to note that many policies will have breed restrictions and may also limit their coverage to the first biting incident. If you choose to keep your pet after it has already bitten someone, you will be on the hook for covering any expenses out of your own pocket if they bite someone again in the future. 

Living Expenses

Some damages to your home will impact your ability to remain in your home while repairs are being made. While you are probably aware of any coverage you may have to help you cover the cost of these repairs, you may not realize that your homeowners' insurance also provides a limited amount of coverage for the living expenses you incur by being forced to remain out of your home while the repairs are being completed. These living expenses will typically include lodging and a daily food allowance. 

Damage Caused In The Commission Of A Crime

Imagine that a neighborhood kid decides to go out for a joyride in their parent's car and ends up driving straight through your landscape before coming to a stop. The cost of repairing this damage may actually be covered by your homeowners' insurance since the damage was caused during the commission of a crime. If you are forced to seek restitution from the offender for any expenses not covered by your insurance policy, your home insurance may also offer coverage for any legal expenses that you incur. 

The Bottom Line

Standard home insurance policies offer coverage for dozens of different scenarios that are unlikely to ever occur and that you are even more unlikely to even think about. However, knowing exactly what situations you are covered for will help to ensure that you never end up paying out of your own pocket for situations that you are actually covered for. This is why it is so important to always take the time to read your insurance policy in its entirety. 

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