We all know that a homeowners policy covers damage to your home caused by well-known perils like fire, storms, and strong winds. There are other perils that are also covered. While a few may be common knowledge, others may be quite surprising. Some are even out of this world. Policies cover anywhere from eight to sixteen perils. Knowing what they are will let you know when you have the option of filing a claim. The following perils are a few of the more uncommon perils you may want to look out for.
Dog bites are common across the United States. It's estimated that nearly 33% of all homeowners claims are associated with dog bites. The liability portion of your homeowners policy will cover any expenses resulting from your dog biting someone while they are visiting your property. You may have to buy additional coverage if you have what is considered a "dangerous" breed.
Believe it or not, meteors fall to earth, and space debris/junk can also find its way back into the earth's atmosphere. While you may not be prepared for these things to cause damage to your home, your homeowners insurance policy will be there to take care of you. Space junk isn't something you can prepare for, but with the right insurance, you will be able to make the necessary repairs.
Occasionally, we hear about a car crashing into a house or other building. Planes can also crash buildings, although it's a lot more uncommon. Your homeowners insurance considers both types of accidents and will cover the damages caused by both.
Many people don't realize they are covered by their homeowners insurance while traveling. If something of value is stolen while you are on the road, your homeowners insurance will cover the cost of replacing it. You will have to provide proper documentation when filing your claim.
When your identity is stolen, it can impact every aspect of your life. The damage done to your credit history may not be physical, but it can have an impact that is long-reaching and very destructive. Your homeowners insurance coverage can help you get things back in order.
When your student is away at college, their dorm room is considered an extension of your home. If items are stolen or damaged, your homeowners insurance will provide the same coverage as if the items were taken from your home.
Uncertain times can lead to unpleasant situations. If bombs, riots, or explosions damage your home, you can file a claim against your homeowners insurance. In these situations, it's important to document the damages and the events that cause them.
If this list has sparked your curiosity, contact our insurance agents to find more interesting things about your homeowners insurance. At Little & Sons Insurance, we can help you learn more about your insurance and the many different ways it protects your home.
