Homeowner’s insurance is designed to cover your home and personal property when accidents and unexpected occurrences happen. But do you know what is covered and what is not covered by your homeowner’s insurance? Here is a brief overview of items typically covered under most homeowner’s policies. Remember each policy is different, so check with us for more information.
Covered Claims Under A Typical Homeowner’s Insurance Policy
Property away from your home is covered up to a specific limit. For example, if you are on vacation and someone steals your property from your hotel room, you can make a claim under your homeowner’s insurance policy.
Do you own a pet? According to the Insurance Information Institute, dog bites accounted for more than one third of homeowner’s insurance liability claims in 2013. That amounted to $483 million in payouts.
Falling objects from airplanes can be covered under your homeowner’s insurance. If any of those objects damage your home, rest assured your homeowner’s insurance should cover the repairs up to your policy limits.
Accidents outside the home can also be covered. Home insurance could, for example, cover the cost of medical bills after someone slips on a patch of ice in your driveway, or if you crash your shopping cart into another patron at the grocery store.
Leaking pipes cause millions of dollars every year. Leaking or cracked pipes, broken hoses to washing machines, or a faulty roof could all lead to water damage in your home.
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