Unexpected Things Covered Under Your Homeowners Insurance

Here are some of the surprising things your homeowners insurance policy covers.

While most homeowners understand that their homeowners insurance covers physical damages to their home, many are unaware that their policy covers far more this.  In fact, your homeowners insurance includes a wide range of coverages.  Here are some of the surprising things your policy covers.

• Sheds, Patios, Doghouses, Etc.

As previously mentioned, your homeowners insurance covers physical damages to your home.  However, this coverage also extends to the other structures on your property.  This means that if your storage shed, patio, doghouse, or other structure sustains damage, it will be covered under your policy.  Just make sure that your insurer knows about your various structures so there’s documented proof in case you need to file a claim.

• Dog Bites

In addition to coverage for physical damages, your homeowners insurance also provides personal liability insurance.  This coverage extends to pet-related liability issues such as dog bites.  Should your dog bite a neighbor, your insurance would cover their medical costs and your legal fees if they decide to sue.  It’s important that your four-legged friend is explicitly covered in your policy.  There are some home insurers that will refuse to cover dog breeds that are considered “dangerous.”

• Your Belongings as You Travel

Your homeowners insurance also covers the things that you take with you as you travel.  For instance, if your laptop was stolen while on vacation in France, then your policy would likely cover this loss.  However, you must be aware that this coverage has limits.  If you are traveling with a particularly expensive item, you might need to get additional coverage to protect it.

These are some of the unexpected things covered under your homeowners insurance.   Do you still have questions regarding your home coverage?  Don’t hesitate to contact us at Gant Insurance Agency in McKinney, Texas.  Our highly-trained professionals are ready to get you covered today.