unexpected homeowners insurance coverages

How Homeowners Insurance Covers More than Your Home

Here are some of the surprising things covered under your homeowners insurance policy.

While most people know that their homeowners insurance in Plano, Texas covers physical damages to their home, they might be unaware that their insurance covers far more than this.  In fact, the coverage offered by your homeowners insurance policy extends much further than you might think.  Here are some of the unexpected coverages included in your homeowners insurance.

Dog Bites

In addition to protecting your physical property, your homeowners insurance also offers personal liability coverage.  This coverage extends to pet-related liability issues such as dog bites.  This means that if your dog were to bite your neighbor, your homeowners insurance would cover their medical expenses and your legal fees should your neighbor decide to sue.  Just make sure that your pet is explicitly covered under your policy.  Some insurers refuse to cover certain, “dangerous” breeds of dogs.

The Belongings You Take When You Travel

Many homeowners don’t realize that their insurance covers the personal belongings they take with them as they travel.  For instance, if your laptop was stolen as you vacationed in France, your insurance would likely cover this loss.  Just be aware that this coverage has limits.  If you are traveling with a particularly expensive item, you might want to seek additional coverage just to be safe.

Identity Theft

Finally, you might be surprised to learn that most standard homeowners insurance policies cover some of the losses associated with cyber crimes and identity theft.  In fact, most policies provide coverage for credit card fraud, forgery, and counterfeit money.  If you are a victim of identity theft, speak to your home insurer and find out how you can begin the claims process.

These are some of the unexpected things covered under your homeowners policy.  Do you still have questions regarding your homeowners insurance in Plano, Texas?  Then don’t hesitate to contact the professionals at Tri-Star Insurance/HUB International.  Our dedicated team is ready to get you covered today.

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