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When you think of homeowners insurance the first thing that comes to mind is insurance that covers the physical structure and surrounding area as well as liability coverage. However, there are some strange things, to say the least, that are also covered by homeowners insurance:
Dog bites
It is estimated that about one-third of homeowner claims are due to dog bites. If you own a dog and your dog bites someone, you are covered under your homeowner’s liability insurance if you are sued.
Falling motors and space debris
You read correctly. In the unlikely event that your home is hit by falling debris, it is covered by your homeowners’ insurance. It’s happened before. This coverage also applies to your vehicles.
Accidents that happen when you are not at home
If you are on a trip or perhaps on vacation and your property is stolen, your homeowner’s insurance will pay for it. If you accidentally injure another person, your homeowner’s insurance will also pay for it, even if it happens outside your home.
Damage from planes and cars
If a plane crashes into your house or a car veers off the road onto your property and into your house, your homeowners’ insurance will pay for the damage.
Damage caused by explosions, riots, or bombs
Leaky gas pipes can cause an explosion in your home. And, while not always likely, a riot may break out in your neighborhood. In such a case, your homeowners’ insurance will pay for the damages.
Floods and earthquakes
With climate change, these factors have become a reality for many homeowners. In the event that your home is damaged by a flood or earthquake, your homeowners’ insurance will pay for the damage.
Speak to an expert at Berks County Insurance serving Reading, PA to find out which insurance policy is best for you and your family.
