What Your Homeowners Insurance Surprisingly Covers

Many homeowners know that homeowners insurance in Banning, CA covers their property, including the structure and their belongings. However, many are surprised to hear that it also protects many other facets of their lives. Read on for surprising things that your home insurance can cover. Tombstones If a grave marker of a loved one is damaged, the insurance company will pay for repairs, usually up to $5,000. Since a grave marker is established as your €˜personal property,' your home insurance can help to pay for damages. In essence, you're covered if you are the one who bought the plot. Dog Bites Although Fido may not be the most terrorizing creature around, if your dog bites someone and causes injury, most home insurance policies will cover the injured person's medical expenses, even if the bite doesn't happen on your property. Your College Student's Property If your child is studying at college and living in the dorms, he or she will benefit from homeowners insurance. If their belongings are stolen or damaged in a dorm accident, then your policy can kick in to cover the expenses of repairing and replacing items. However, if your child is living off campus, be aware that he or she will need renter's insurance instead. Identity Theft It can be scary to learn that someone has stolen your personal information, and cases of identity theft can cost victims thousands of dollars, not to mention the time and stress of resolving the case. Many homeowners insurance policies will reimburse you for the expenses you insure when working to resolve an identity theft case. Are you ready to secure the right homeowners insurance that can protect you? To find the right policies to fit your needs, contact the dedicated professionals at Little & Sons Insurance Services. Serving Banning and the neighboring cities in California, we are always ready to address your insurance needs.