Surprising Things Covered By Homeowners Insurance

What you didn’t know your homeowners insurance included.  

Homeowners insurance is absolutely essential if you want to protect your house and assets. If you take a look at a typical insurance policy, you’ll find it protects homeowners from a wide range of mishaps, from fires to vandalism, lightning strikes, and treefalls. But do you know the slightly more surprising coverages in your homeowners insurance policy? Here are a few things you may not have known your homeowners policy covers.

• Medical bills for guests injured in your home

Having enough space to invite guests over is one of the perks of homeownership. However, entertaining comes with its own unique risks. Home insurance can help with medical expenses if a guest gets hurt while on your property. What’s more, you can count on coverage whether you were responsible for the injury or not.

• Your garden

If your garden gets damaged, your home insurance may be able to help to replace your trees, plants, and grass. Bear in mind that there is often a limit, but you can opt to increase the coverage amount to your needs.

• Identity theft

If your sensitive data falls into the wrong hands, it can be a nightmare to try to reconcile. Fortunately, many home insurance policies now allow for reimbursement of the cost of fixing your credit reports and restoring your identity. This can include lost wages, phone bills, and possible legal representation.

• Your kids’ belongings at college

If your kid is living in a dorm at college, you can fest rest assured that his or her belongings are covered. This is because most policies cover anyone on your household as well as students under the age of 24. Keep in mind that if your kid is living off campus, coverage will generally not be provided. If he or she takes high-value items off to college, it could be worth getting separate cover, too. To protect your home throughout all sorts of disasters, visit the team at C.V. Mason Insurance Agency. Our home insurance policies work to protect residents in Bristol and neighboring cities in Connecticut. Give our experts a call for more information.