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Unexpected Homeowners Insurance Coverages You May Not Be Aware Of

At ASZ International Inc. in Westchester, NY, we understand that when searching for a homeowners insurance policy, you’re primarily seeking protection against standard risks such as tornadoes, fires, theft, and hail. However, additional optional coverages are needed, such as providing financial protection against events like floods or earthquakes. Here, we reveal some unexpected coverages your homeowner policy might offer to boost your peace of mind.

Dog Bites

Surprisingly, home insurance policies typically cover liability for dog bites up to the limits of your policy’s liability coverage. This is essential, as there are always potential liability risks when you invite guests to your home.

Identity Theft

Identity theft coverage is a standard part of many homeowners’ insurance policies. Some insurance companies offer extended coverage beyond the typical limit. This coverage helps defray expenses associated with identity theft, such as legal fees, lost wages, and notary fees necessary to restore credit.

Hotel Costs After Loss

Suppose damage to your home is so severe that it’s deemed unlivable during repairs. In that case, your homeowner’s policy generally covers hotel costs for a set period under the Additional Living Expense (ALE) section.

Legal Defense

Suppose a visitor injures themselves on your property — perhaps due to a trampoline or swimming pool — and brings a lawsuit against you. In that case, your liability coverage typically covers legal defense costs up to a set limit if you’re found liable.

Damage From Falling Objects

Damage from falling objects — even something as unexpected as a meteorite — is typically covered under standard home insurance policies.

Spoiled Food

Should an extended power outage lead to food spoilage in your refrigerator or freezer, your policy usually covers the cost of replacing the spoiled food once electricity has been restored.

Gravestones

Your home insurance policy often covers Gravestones and urns, even if they’re located off your property. Your policy covers repairing or replacing these items if they’re vandalized, damaged, or stolen.

Reach Out to Us for Clarification

If you have any queries or concerns about what is covered under a homeowners policy, feel free to call ASZ International Inc. in Westchester, NY, at (800) 694-0279.