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14 Surprising Things Your homeowner's insurance could – LifeSavvy



<img class = "wp-image-7118 size-full" data-pagespeed-lazy-src = "https://www.lifesavvy.com/thumbcache/0/0/d1e60ac53680367a2f520737d88ca851/p/uploads/2019/ 07 / xf2a20dc0.jpg.pagespeed.gp + jp + jw + pj + ws + js + rj + rp + rw + ri + cp + md.ic.wicRde3oGM.jpg "alt =" A couple sitting at a table, and one Man points to something in a document attached to a clipboard total damage from a fire, but your insurance policy is likely to cover many additional things.

Although most people take out homeowner insurance from the beginning, this is not always true Unlike with car insurance, most states do not require you to have homeowner insurance, although your mortgage lender may make this part of its terms.

In any case, this does not mean that you could forego homeowner insurance You are about to deduct a homeowner's insurance Maybe it helps you to know the types of protection your policy might cover.

Note that different states have different requirements and not all insurance companies offer the same protection. For example, most home contents insurance does not cover floods, earthquakes, sinkholes or landslides. If you live in an area that is vulnerable to one of these natural disasters, you will probably have to pay for additional insurance policies.

What is insured?

The homeowner's insurance is not just meant for larger emergencies things.

Here are some general things that your policy likely covers:

  • Law Required Upgrades: If your city or county suddenly passes a law that makes your home "illegal," your homeowner's policy could at least in this regard, part of the cost of the necessary repairs. Some companies include this feature in their primary care, others offer it as an add-on.
  • Water damage: Your policy may cover water damage that was not caused by a natural flood. If a pipe bursts or your water heater breaks and damages your floor or walls, check your policy.
  • Weather Damage: Most insurance companies assume all damage that occurs during a storm, including wind and hail damage, or similar snow or ice roof damage.
  • Vandalism: If a vandal or civil disturbance (such as a protest or riot) damages your property, it will likely cover your homeowner's policy.
  • Fire and Smoke: A home fire is the first thing that comes to mind when most people think about home insurance. Many guidelines also cover smoke damage.
  An outbuilding behind a garden.
Zig Zag Mountain Art / Shutterstock.
  • Local Structures: A homeowner's policies usually cover your home. and other local structures, including kennels, sheds, pavilions and terraces. Keep records and notify your insurance company when you add structures to help cover them.
  • Landscaping: If you are talking about things outside your home, your insurance may also cover your landscaping. Trees, shrubs, ornamental plants and any physical improvements you make to your garden are often protected under the same roof as your home. Landscape damage caused by fire, lightning or vandalism is usually covered as well.
  • Personal belongings (including all items in your car): If someone breaks into your home or car (while parked at your home) and steals personal belongings, your insurance company will probably reimburse you for the loss , You may need to file a police report and submit documentation to obtain compensation.
  • Dog Bites: If your dog bites someone, your homeowner's insurance policy may pay out a certain amount . However, many companies, such as Pit Bulls and German Shepherds, do not cover certain breeds.
  • Injuries that Occur on Your Property: If someone falls, drowns, breaks a bone, stumbles, or otherwise If you injure yourself on your property, you can make a claim for damages through your insurance company. This also applies to "emotional" damage. If a neighbor sues you for defamation or slander, your insurance company will arrange it as part of the liability insurance.
  • Tombstones: Since tombstones are considered personal property, your homeowner's insurance may cover any damage. However, if the cemetery crew damages him, he may have to pay for repairs.
  • Your Student's Property: Your policy is likely to cover all the items your child has with them at college. Most of the insurance cover is for children under the age of 24 and may require that they live on campus.
  • Food: If you lose power due to a storm or other electrical problem and spoil the food in your refrigerator or freezer, you may be able to offset some (or all) of the losses. Check the deductible of your policy to see if it is worth the claim.
  • Meteorites: Rest assured, if a random piece of meteor or space rock comes through the roof of your home, your insurance company will likely cover the damage. And that actually happened . So, if Armageddon is in your house, you do not have to pay the cost of repairing your property.

The monthly payment of an additional homeowner's insurance bill may be a hassle, but useful if the unexpected happens!


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