Items Covered Under Your Home Insurance Policy You Might Not Expect
by Gene Jones
Your home insurance policy is designed to provide protection and peace of mind if events cause damage or loss of your home and personal property. However, many homeowners are unaware of what is actually covered under their policy. Certain items are covered under your home insurance policy that you might not expect.
Identity Theft
Identity theft can strike anyone, regardless of the measures taken to protect their interests. Most home insurance policies offer identity theft coverage as an optional add-on. This type of coverage helps cover the cost of restoring your identity if your identity is stolen. This can include legal fees, lost wages, and other expenses associated with restoring your credit and identity.
Sewer Backup
Many homeowners assume that damage from a sewer backup is covered under their standard home insurance policy, but this is not always the case. In fact, most policies exclude coverage for damage caused by sewer backups. However, many insurance companies offer sewer backup coverage as an optional add-on. This type of coverage will cover some of the repair costs to your home and personal property if damage is caused by a backup in your sewer line.
Lock Replacement
If you lose your house keys or they are stolen, your home insurance policy may provide coverage for lock replacement. This coverage will typically pay for the cost of replacing your locks and rekeying your home to help ensure the security of your property.
Belongings in Storage
If you have personal property stored in a storage facility, your home insurance policy may provide coverage for those items. While limits and restrictions may apply, this coverage can help provide peace of mind in case your belongings are lost or damaged while in storage.
Additional Living Expenses
If you are forced to temporarily move out of your home due to damage caused by a covered peril, your home insurance policy may provide coverage for additional living expenses. This coverage can help cover the expense of lodging and meals while you are displaced from your home.
Your home insurance policy is an important investment in your home and personal property. While you may think that your policy provides coverage for everything, there are certain items that you might not expect to be covered. Understanding what is covered by your policy can help you make informed decisions about the types of coverage you need to protect yourself and your property.
For more information on home insurance, contact a professional near you.
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