Learn about some of the unexpected things covered under your homeowners insurance.

While most homeowners have the right insurance protections for their homes, they are not aware of all the different coverages included in their policy.  Here are some of the surprising coverages typically included in your homeowners insurance policy. However, we always recommend you review your policy and check with your insurance agent on any questions you might have. They can help you fully understand the coverages your insurance provides.

Sheds, Dog Houses, Patios, Etc.

While most people know that their home insurance covers physical damages to their home, they don’t realize that this coverage extends to the other structures on their property.  For instance, if you have a storage shed on your property that is damaged during a storm, your home insurance would cover these damages.  Just make sure that your insurer knows about the various structures on your property.  That way they are documented and eligible for coverage.

Dog Bites

In addition to coverage for physical damages, your homeowners insurance also includes personal liability coverage.  This coverage extends to cover pet-related liability issues.  For instance, if your dog were to bite your neighbor, your insurance would cover your neighbor’s medical costs and your legal fees should they decide to file a lawsuit.  Just make sure that your pet is explicitly covered under your policy.  Some insurers refuse to cover certain, “dangerous” dog breeds.

Your Belongings as You Travel

Finally, many homeowners are surprised to learn that their homeowners insurance covers the belongings they take with them as they travel.  For instance, if your laptop was stolen while you vacationed in Asia, your insurance will cover this loss.  Just be aware that this coverage has limits.  If you are traveling with a particularly expensive item, you might want to take out another policy to ensure that you have all the coverage you need.

These are some of the surprising things covered under your homeowners insurance.  Do you have more questions regarding your home insurance?  Then don’t hesitate to contact us at Randy Jones Insurance Services in Pleasanton, California.  Our dedicated team is ready to assist you with all your insurance needs.