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Three Things That Might Be Covered By Your Homeowners Insurance Policy Without You Even Knowing It

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Many people assume that homeowner's insurance only covers damages that happen directly to their home, but that is not the case. There are some homeowner's insurance policies that cover so much more than just the home. Use the guide below to learn a few things that your policy may cover without you even realizing it.

Accidents that Happen on Your Property

If you are having friends over for a get together and someone gets hurt, your homeowner's insurance policy will pay for the injuries that they incur. The policy covers any injuries that occur on your property so that you do not have to pay for medical bills out of your pocket, which at times could be quite costly. In order to file a claim with the insurance company, you will need to provide the company with the name and contact information for the person that was injured and that person will need to provide medical records for their injuries and the dates that they went for treatment.

Dog Attacks that Occur Near Your Property

If your dog somehow gets off of your property by digging under the fence or running out of the front door and gets into a fight with another dog, your homeowners insurance may cover the veterinarian bills for the other dog if your dog was shown to be the aggressor in the fight. It is important to note that the insurance company will likely not pay for the medical bills that your dog may incur though.

A Tree Limb Falling on a Neighbor's Car

There are some neighborhoods where the homes are built fairly close together and tree limbs can sometimes grow over a neighbor's property. When this happens, the limbs can sometimes break and land on a neighbor's car, causing extensive damage. Your homeowner's insurance will need you to provide them with pictures of the damage and contact information for your neighbor so that they can make arrangements to assess the damage to the car as soon as possible.

When you sign up for a homeowner's insurance policy, it is best to take the time to read every word of the policy so that you know what is and is not covered. You can highlight areas that you want to easily be able to find later on down the road if you ever question if something is or is not covered by your policy. There are often additional coverage options you can add to your policy to make sure you have the perfect amount of coverage to suit your lifestyle.

For more information, contact professionals like Reinhardt's Insurance Agency.


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