5 Unexpected Things That Homeowners Insurance Covers

​Without a doubt, buying your first home and having it insured is a great decision and is one of your biggest accomplishments. You might have it insured and are prepared for the worst, but you do not realize this type of insurance can cover more than just the basics. From replacement costs to liability coverage, there are several unexpected things that your policy may cover. 

Discover five surprising ways homeowners insurance may help safeguard your home and wallet.

1. Bear Invasion
   You may expect bears to visit your home if you're near a bear's natural habitat. Even if you have the full gear and equipment to keep bears out, these creatures are smart and may break your door to check your home. Homeowners' insurance may cover bear invasion since these creatures are huge and may cause the destruction of your belongings. 
   
   
2. Hotel or AirBnB Costs 
   When your home is under repair and is not livable, you might need to stay at a hotel for a few days while your home is under construction. Your insurance policy may cover the expenses for hotel and food until your home is livable again. 
   
   
3. Your Child's Belongings
   Homeowners' insurance may cover you and your children's items. This way, items like phones and laptops are compensated in case of theft or damage.
   
   
4. Identity Theft
   Identity theft is a major offense, and if you are going through this case, your insurance may help you repair your credit and restore your identity. Check your policy for this coverage since, most of the time, identity theft coverage is an add-on.
   
   
5. Meteorites and Other Falling Objects
   Falling objects like meteorites are out of your control. Most homeowners insurance policies may cover damages caused by these events, and you may get full compensation to repair your home. 

Go Over Your Homeowners Insurance Today!
Insurance policy may include these five unexpected coverages, so don't hesitate to check your policy today. This way, you are familiar with the coverage and know what to do when one of the circumstances may happen to you.

At Richard Turner Insurance Agency, we do our best to make sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (619) 296-6222 or CLICK HERE to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!