Do you know all your home insurance coverages?

5 Little Known Things That Home Insurance Covers

Home insurance covers most perils to your home and personal property. A covered peril is an event that your insurance will cover. Covered perils — such as a lightning strike, fire, theft, vandalism, wind, or hail damage. However, home insurance offers more coverage than the covered perils. Here are five little-known coverages that home insurance protects you from. 

1. Identity Theft

Victims of identity theft must spend a lot of time and money to undo the damages. Some insurance carriers include coverage to help pay for any expenses while recovering your identity. In addition, home insurance can help with legal fees and lost wages so that you can recover quicker!

2. Injuries Caused by Animals

While pets are great to have, animals are ultimately unpredictable, sometimes resulting in injury to people outside your home. Injuries can occur to you, from dog bites to being knocked over by a pet. If this were to happen, home insurance can help cover your liability when dealing with an unexpected injury. 

3. Loss of Use – Food and Hotel Expenses

If your home is damaged and you need to seek shelter in a hotel, home insurance covers the costs of your meals and shelter. Most home insurance policies offer coverage, providing a financial relief during the stressful situation of dealing with a damaged home. 

4. Lawsuits

If a visitor falls and needs medical attention on your property they can sue for thier medical expenses. With home insurance liability coverage will pay for the injured person's medical bills. When accidents do happen, you need to have home insurance to cover you and your family in situations like this. 

5. Falling Objects

Falling objects—including satellites, asteroids, meteors and space debris—are covered under standard homeowners. This would cover the damage that the falling object causes to the the  home or other structures on the property as well as the personal property that are also damaged or destroyed as a result.

Contact Dtown Insurance for Your Home Insurance Needs

When purchasing home insurance, check to see what your policy covers and know that home insurance covers more than  rebuilding your home. Dtown Insurance is here to help, whether with a fire, a lawsuit, or even a meteorite! 

Contact us today.