6 Astonishing things that your homeowners insurance covers

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By: Anna Sweeting
on 27th Jan,2012

There are a number of homeowners who are not clear what their home insurance policy covers and what it excludes.
6 Astonishing things that your homeowners insurance covers


There are a number of homeowners who are not clear what their home insurance policy covers and what it excludes. For example many homeowners believe that the homeowners insurance covers flood insurance but that is not the case. However, it should be remembered that irrespective of where you live, a home insurance policy will cover more than just structural damage to the property.

Some of the surprising things that your home insurance covers include the following:

1. Libel and dog-bite lawsuits: This is one of the important layers of protection that homeowners insurance covers. Under this coverage, the homeowner is protected when he/she is sued for a variety of claims - oral or written publication of material that slanders a person or organization. This coverage also protects dog owners. Most of the homeowners' insurance policies provide $100,000 to $300,000 in liability coverage.

2. Mandatory upgrades coverage: The homeowners' insurance policy provides coverage for "ordinance or law," wherein the costs linked with bringing the property up to code after a loss is covered. For example after a fire break out, when it is mandatory in some states to install sprinklers, this coverage provides the money to do that.

3. Spoiled food coverage: Any normal homeowner's policy provides coverage for the owner's refrigerated items. If all your freezer and fridge items are spoiled due to a power outage, the insured has coverage for up to $500 under this particular policy.

4. Miscellaneous accidents: Homeowners insurance covers a wide range of activities not related to a person's home. Also, it can cover the homeowner in any location despite where the home is located. Homeowners' should check their coverage whenever they suffer a loss or have a claim against them and it involves their property.

5. Student property:
You will be surprised to note that home insurance also provides coverage to members of your household. If a homeowner has a kid who studies in college, that kid's personal property is covered under this policy. This coverage is also known as personal property coverage and includes no extra charge.

6. Additional expenses and falling objects: Damage caused to the property due to heavy snowfall, burst pipes and additional living expenses are also covered under the homeowners' insurance policy. You won't have to pay any extra charges for it.  However, insurance companies may limit the amount of coverage or amount of time they will cover bills. You should also check out for the limitations or restrictions.

However, you should note that flood insurance is not covered under the basic homeowners' insurance policy. Apart from this, this policy won't cover damages caused by an earthquake, routine wear and tear, or basic maintenance. 

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