Many do not even suspect: 10 unexpected things that home insurance covers

Most people realize that their insurance will cover the cost of damage if a tree falls on the roof or a fire breaks out in the garage. However, many insurances cover a number of other losses. Writes about this Money Talks News.

Фото: Depositphotos

Of course, it goes without saying that each insurer is different, and you should check your insurance conditions to determine what coverage you have. When you do this, you may find that you have insurance for the following things.

1. Terrorist attack

While the United States is not at war, your insurance company must pay for any losses caused by the terrorist attack.

Most insurers specifically exclude military action, but a single event that leads to a fire or other damage to your property should be covered by the standard provisions of your insurance.

2. Dorm room maintenance

When your son or daughter goes to college, your home insurance can also protect their property. But this is only if they live in a hostel.

3. Your lawn and landscape design

If someone walks around your yard and snatches grass, your insurer will have to pay to repair the damage, says Mike Crowe, founder and CEO of Clearsurance, an insurance review and assessment website.

This is because trees, plants, and shrubs are usually covered by standard homeowner insurance policies. The Institute for Insurance Information says that plants usually cover up to $ 500 per unit if they are not sick and in good condition.

4. Marijuana plants

Surprise. Marijuana can also be insured.

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According to Crowe, depending on the insurance company and state law, cannabis plants can be treated the same as shrubs and other plants.

5. Stolen goods

Speaking of personal belongings, if you have things stolen away from home—anywhere—standard insurance should cover those losses.

“People assume that if something is stolen from their car, it will be covered by their car insurance,” Crowe says. - This is wrong"

Instead, property insurance indemnify.

6. Falling objects

A Michigan couple was surprised to find that the Samsung satellite landed in their yard. Despite the fact that he did not do any damage if he hit their house, their insurer would probably pay for any repairs.

The Insurance Information Institute says falling objects—from satellites to asteroids—are covered under most standard insurance policies.

7. Drones

Speaking of falling objects, your insurance can come to the rescue if your drone falls and hits someone.

The Insurance Information Institute reports that insurance may provide part of the liability if you injure someone or you are sued for inadvertently invading another person’s privacy.

8. Items in stock

You can assume that your home insurance only covers items in your home. However, standard policies usually cover your personal items, including items that are stored outside the home, such as in a cell or in a warehouse.

According to the Institute of Insurance Information, some companies limit coverage for items in storage to 10% of the amount of home insurance.

9. Spoiled food

If you turn off the power and all the products in your freezer go bad, you might be lucky.

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Insurance companies can replace food that spoils as a result of a trip. This means that if a tree cuts off power lines, you can file a lawsuit for spoiled food. But if the electricity is turned off for non-payment, you will not see a penny.

10. Unauthorized credit card purchases

Given that many credit cards offer cardholders zero liability for fraud, insurance against unauthorized purchases may not be required. However, according to the Institute of Insurance Information, it’s nice to know that your insurer will pay up to $ 500 to cover unauthorized credit card payments.

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