You probably know the basics of home insurance coverage. However, you may be surprised by some of the things your home insurance policy could cover. Advantage Insurance Network in Cincinnati, OH, offers home insurance policies. We can explain the top six unexpected things covered by home insurance coverage.
1. Falling Objects
Standard home insurance policies cover falling objects. This includes asteroids and space debris. It also covers "blue ice," which is toilet water flushed from airplanes.
2. Damage due to Religious Phenonemon
Damage from religious phenomena is unlikely, but you are covered under your homeowner’s policy. For example, if you have a religious statue that suddenly begins releasing blood or water, and this damages your walls or floor, you are covered.
3. Damage from Wild Animals
If a wild animal damages your home, you are covered. For example, if a grizzly bear breaks your window looking for a snack, your policy will cover the damages.
It’s important to note that wild animals apply to animals that are not considered domesticated and aren’t your pet.
4. Drone Damage
Drones have become popular in recent years. However, they can cause damage to other’s property or person.
For example, if you fly your drone into your neighbor’s car, the liability portion of your homeowner’s policy will cover the cost of repairs.
5. Spoiled Food
If a power outage costs you the food in your fridge, your homeowner’s policy can cover the cost of replacing the food. Most policies offer up to $500 to replace spoiled food items due to a power outage.
6. Dog Bites
Dog bites make up about 30% of homeowner’s liability claims. If your puppy bites someone on your property, the policy will cover their medical expenses and civil liability judgments up to the coverage limit.
However, some policies exclude certain dog breeds because they are thought to have a higher risk of aggression. Before getting a dog, you should make sure that you are covered.
Home Insurance with Advantage Insurance Network
Advantage Insurance Network offers home insurance and other policies in Cincinnati, OH. If you need a home policy or would like to know exactly what is covered in your policy, contact us today.