Real Estate Blog

Once upon a time, basic homeowners insurance only applied in the event of a house fire.  Today, there are seemingly endless options for add-ons that may mean your homeowners insurance policy covers anything from sour mile to a slander lawsuit. 

Here are some surprising things your homeowners insurance may cover - and if you're not sure, be sure to check with your insurance provider and read your policy carefully. 

1.  Spoiled Food: If you lose power for days with a full fridge, some policies may cover some of the expense to replace spoiled food. 
2. Lodging Expenses: If an event covered by your homeowners insurance causes damages that force you to live elsewhere for a time, some hotel and dining expenses are often covered. 
3. Wildlife Damage: If your mountain cabin is damaged by a bear or some other wild animal, this should be covered. If it's a squirrel, though it probably won't be. 
4. Personal Belongings Outside The Home: If you're carrying some of your jewelry (for instance) outside your home and it's stolen or lost, it's likely still covered. This may also be true of your kid's personal belongings while they're living in a college dorm, depending on their ages. 
5. Legal Expenses: If a neighbor's child gets hurt using your trampoline and the neighbor decides to sue, the liability coverage on some policies may cover this. Some even apply to slander and libel lawsuits. 
6. Identity Theft: If your identity is stolen, some policies cover part of the expense need to fix the situation and restore your credit. 

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