5 Surprising Things Your Home Insurance May Cover

Your home is one of the most significant investments you’ll ever make in your life. So when it comes to protecting what matters most to you, there’s no substitute for a quality home insurance policy or coverage.

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The idea behind getting a good homeowners insurance policy is to protect your house and yourself from disastrous and damaging events like floods, fires, and earthquakes. In addition, the insurance will help you replace, repair, or rebuild your home following these disasters.

While it’s common knowledge that homeowners insurance should cover damage caused by disasters, you may be surprised that they cover other surprising things too! Below are five things that your homeowner’s insurance may cover.

Dog Bite Damages

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Things can quickly go out of control when your furry friend bites a dog-park stranger, friend, or neighbor. The damage could become expensive if someone bitten requires medical attention and rabies treatment.

Your homeowner’s insurance doesn’t explicitly cover dog bite injuries. Instead, it’s rolled or tied into liability insurance, not property insurance. That means, if your dog bites someone else and you’re found responsible in court, your insurer will pay any legal expenses you’ll wind up with and the victim’s medical bills up to your policy’s limit.

The accident doesn’t have to take place at your home. The insurance will cover dog bites anywhere they happen if you’re at fault. Moreover, the amount that a dog bite insurance will cover depends on your personal liability home insurance cover. Generally, this will be between $100,000 to $500,000, so make sure to shop around and get quotes online.

Identity Theft

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Identity theft is the fraudulent or illegal acquisition and use of your private identifying information. It happens when you least expect it and can be challenging to trace. With your information, thieves can take out a loan in your name, get a credit card, steal money from your account, and make bogus charges on your debit card. They can even do illicit activities under your name, pinning the blame on you.

Fraud victims could lose a lot of money. And they can end up paying for these losses out of their own pocket. Fortunately, your homeowner’s insurance policy’s personal property coverage offers a bit of protection and security against most identity theft.

Generally, the coverage helps you pay for everything you’ll need to recover your identity, which can be an expensive and overwhelming process to do on your own. Also, it covers preventative services like digital or credit footprint monitoring. Some insurers may offer $10,000 to $25,000 in protection.

Objects Falling From Space

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While you might have never thought your house would be susceptive to objects falling out of the sky, it does happen. In 2016, about 200 pieces of space junk re-entered the atmosphere. Additionally, asteroids strike the planet once every 500,000 years.

Because the possibility of objects falling from space is very real, it’s advantageous that home insurance policies offer coverage against falling objects. So, rest assured that you’re protected and covered no matter what the fallen object is.

Gravestones or Tombstones

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Gravestones or tombstones are identified as personal property and covered by homeowners insurance against theft, storm damage, and vandalism. Also, the policy can help cover expenses for the upkeep or maintenance of the memorial.

Take note that funerary items are costly to start with. For example, mausoleums can cost $28,000, new urns can cost between $50 to $250, and headstones can cost at least $2,000. Replacing or repairing them can be more expensive, to say the least.

Thanks to your policy’s funerary coverage, you’ll have certainty and peace of mind for your loved one’s final resting places.

Libel Suit or Slander

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Know that the personal liability in most homeowners insurance policies goes beyond verbal damage. Say, for example, if you get accused of doing something scandalous or malicious and must defend yourself in court, your policy will pick up the tab.

Bill Clinton, O.J. Simpson, and Roger Clements used their homeowner’s coverage to help battle defamation lawsuits. So, why can’t you? Your policy can cover expensive legal and damage fees incurred in defamation lawsuits for personal or bodily injury

While we usually think of bodily injury as an accident that causes physical injury or harm to a person’s body, it’s also defined as coverage for injuries arising from slander or libel. Some of the common effects of defamation are:

• Depression
• Anxiety
• Mental anguish

Takeaway

Gravestone destruction? Meteor fallout? Pet damage? You may not know it, but your homeowner’s insurance policy may pick up part or all of the tab for these hazards or situations. It’ll pay for the dog bite victim’s medical treatment, pay for legal fees, and reimburse you your stolen cash.

But take note that every homeowner’s policy is different. As a result, some of this surprising coverage may not be included. That’s why it’s essential to work with your insurer so that you know the extent to which your policy covers you.