What Homeowners Insurance May Cover—More Than Just Accidents in Your Home
If you own your home, it’s a sound investment to purchase homeowner’s insurance. If you have a mortgage on your property, you may have no choice.
You expect that homeowner’s insurance will cover structural damage, as well as loss of contents. But there are lot of things that are potentially covered by homeowner’s insurance that will surprise you:
- Injury or damage caused by a pet—Most states have a standard homeowner policy that includes coverage for a dog bite or attack, usually with no extra premium
- Food lost in a power outage—If your power lines go down for any reason, and you lose food that required refrigeration, you can seek compensation for those lost items.
- Additional living expenses caused by a covered loss—If you cannot live in your home because of damage caused by a covered loss (a storm or a fallen tree), you can typically file a claim for any additional expenses, such as increased travel to work, the cost of temporary housing, and the cost of eating out.
- Falling objects of any kind—Bricks from your chimney, a defunct satellite dish, or a branch from a tree in your yard.
- Your child’s personal property as a student on campus—Most homeowner’s policies cover personal as well as real property, regardless of where it is. Accordingly, if your child is away at school, any lost, stolen or damaged items of personal property will be covered by your homeowner policy.
Contact the Law Offices of J. Lewis & Associates
To discuss your legal needs with an experienced Riverside tour bus accident injury lawyer, contact our office online or call us toll-free at (951)-682-0488. There is no charge for your initial consultation. Se Habla Espanol.