Unusual things that your homeowner’s insurance may cover

Insurance is one of those things you have to buy and hope you never use. Homeowner’s insurance is no different.

If you’re like most homeowners, you never take the time to read the fine print of the policy. This could be costly. There’s a good chance that your loss may be covered. Even something that you think “There’s no way it will be covered.” It just may.

Here are some of those things…

Accidental damage or injury

Most people know that their homeowner’s policy will cover injury or damage that occurs in the home, but many don’t know that your policy can cover things that occur, even outside the realm of your home.

Student property

When your kids go away to college and live in dorms, they’re going to take most of their stuff with them, naturally. Your homeowner’s policy may protect their expensive gadgets such as phones, tablets and computers when they go.

Collections

If you have a really extensive (and expensive) collection, you may have to get additional coverage. But if you have a collection of pigs that people gave you because you’re from Arkansas and lose those mementos in a fire, they should be covered.

Expensive cooking ingredients

If you’re a foodie, you may have ingredients in your kitchen that are both unusual and pricy. The internet makes it possible to buy things like truffles, saffron, cheese, and imported olive oil. If you’re a foodie, make sure to save your receipts, just in case.

Dog bites

You’re hosting a dinner party and the family dog gets excited with all the people around and jumps on a guest and bites her. So if medical treatment is needed, check your policy to see if you’re covered.

Interior designer fees

It’s happened before. A homeowner does a major renovation to their home and just as soon as the project is complete, disaster strikes. Your policy may cover fees you paid to the decorator, not just for the furniture and décor.

Of course, these are just a few examples of what may be covered. Make sure to read your homeowner’s insurance policy, especially the fine print. It’s a good idea to know what’s covered and what isn’t. If you do happen to incur some damage, it never hurts to contact your agent to ask.