Surprising Coverage Benefits of Having Home Insurance

Did you know that your home insurance policy included these coverages?

While you know that your home insurance offers coverage for your property, personal property, and personal liability, this isn’t all that it protects.  In fact, most standard homeowners policies offer an array of additional coverages that you may not even know about.  Here are some of the unexpected things covered under your home insurance.

  • Coverage for the Damage Caused by Falling Objects

If a tree branch were to come crashing through your home’s roof, then your homeowners insurance would offer the coverage that you need to repair your property and replace any of the personal belongings that were damaged in the event.

  • Coverage for the Damage Caused by Power Outages

While most power outages are fleeting and little more than an annoyance, a prolonged power outage can have more serious consequences.  Most notably, you will have to throw away all the perishable foods in your fridge and freezer due to spoilage concerns.  Fortunately, your homeowners insurance may offer coverage for this loss and will help you restock your fridge once the power returns.

  • Coverage for Family, Even When They Are Away from Home

If you have a child that is a full-time student living away from home, then the personal property and liability coverage included in your homeowners insurance will go with them.  While different policies will have different limits regarding the extent of this coverage, your kids could be covered under your policy until age 26 or until they move into an apartment of their own.

These are some of the unexpected coverage benefits of securing comprehensive homeowners insurance.  Do you have additional questions about your home coverage?  If so, then contact the experts at Pierce Insurance Group.  Our dedicated team is eager to assist you with all your needs today.