Home insurance is designed to protect your home and belongings in the event of damage or theft. But what about the more unusual risks? Did you know that home insurance can also cover damage caused by sinkholes, volcanic eruptions, and even terrorist attacks? Here are four unexpected dangers that your home insurance policy may cover.
1. Cemetery or Gravestone Vandalism
Most people think home insurance protects their property from fires, burglaries, and severe weather.
But did you know that your home insurance policy may also cover cemetery or gravestone vandalism? That’s right – if someone vandalizes a grave in your own cemetery, your home insurance policy could help pay for the repairs. Of course, this coverage is usually only extended to cases of actual vandalism – so if you accidentally damage a gravestone while mowing the lawn, you’re probably out of luck.
But if someone deliberately damages a cemetery monument, your home insurance policy could help to make things right. So, if you’re a cemetery owner, check your policy carefully – you may be protected against more than you realize.
2. Unauthorized and Fraudulent Use of Credit Cards, ATMs, and Debit Cards
It’s a sad fact, but credit card fraud is becoming more common. If you’re a victim of this type of crime, you may wonder if your home insurance will cover the damage. And the answer is yes!
Most home insurance policies cover unauthorized and fraudulent use of credit cards, ATMs, and debit cards. So, if someone uses your card without your permission or you’re a victim of identity theft, you should be covered. Of course, every policy is different, so it’s essential to read your policy carefully to make sure you’re fully protected.
But rest assured, if you’re a victim of credit card fraud, your home insurance should have you covered.
3. Home Damage From Space Debris
It’s not something that we like to think about, but the truth is that our planet is constantly bombarded by space debris. Most of this debris burns up in the atmosphere before it reaches the ground, but occasionally, a piece of space junk will make its way to Earth. And when that happens, it can cause some severe damage.
But don’t worry – if a piece of space debris damages your home, your home insurance should cover the repairs. So, even though it’s a rare event, you can rest assured that you’re protected against it.
4. Damage From Recreational Drones
Drone technology has become more accessible and affordable, and more people are using it for recreational purposes. Unfortunately, these drones can sometimes cause damage, and it’s not always clear who is responsible.
For example, a drone might crash into a window or knock over a piece of property. In some cases, the damage may be covered by home insurance policies. However, because drones are a relatively new technology, many insurers have yet to update their policies to cover this type of damage. As a result, it’s essential to check with your insurer before using a drone on your property. Otherwise, you could be left holding the bill for any damage.
Purchase or Update Your Home Insurance Policy Today
No matter what type of home insurance policy you have, it’s vital to ensure that it’s up to date. The world is constantly changing, and your home insurance policy should change. If you’re looking to purchase or update your home insurance in Cincinnati, OH, Advantage Insurance Network can help. We offer a wide range of home insurance policies so that you can find the perfect one for your needs. Contact us at 513-922-9460 and get started today.