Other Things Homeowners Insurance Covers Besides Your Home

​Besides your home, you might wonder if your insurance might cover other things. After all, your home doesn’t only refer to your house, and your possessions there give you comfort as well. So, here are some things your homeowners’ insurance covers:

Appliances and Electronic Devices
Some insurance policies provide coverage for an unexpected power surge from lightning strikes that can damage your appliances. Additionally, you might want to check in with your agent if a fire damaging your electronics is covered in your policy.  

Other Structures in Your House
Besides the main structure on your lot, you might have other buildings there, such as sheds, garages, or a gazebo. Your homeowners’ insurance might cover these structures as well in case of fire or other unexpected incidents. With the right policy, you need not worry about windstorms taking your quirky gazebo down.

Food Inside the Fridge
Say a power outage in your neighborhood caused your food to spoil since the fridge is not working. Your insurance may pay for the costs of the spoiled food. However, you may want to check your policy to know if there are specific power outages it covers. For example, flood-related and widespread outages are not covered in some policies.

Your Best Friend Biting The Neighbors’ Kid
Although not specific to your neighbor’s kid, dog bites may also be covered by your policy. In such instances where your fluffy best friend bit a guest, your insurance can help pay for the medical costs. On the other hand, some dogs are known to have unfriendly reputations with strangers, while others have a history. These are some cases where policies may not cover. 

Jewelry, Collectibles, and Other Prized Possessions
You might be keeping your watch collection at home. Or maybe, you still have your family’s heirlooms, such as your grandma’s wedding ring. With your home as your treasure’s cavern, your insurance policy helps you protect these. Most homeowners insurance covers valuable items if they are damaged due to windstorms or fires or stolen. 

Conclusion
Your home with all your belongings can provide you comfort like no other place on the planet. Homeowners insurance helps you protect these from unfortunate and unexpected events. 

At UG Insurance Brokerage Inc., we do our best in making 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  (718) 848-7777 or Click Here to request a free quote.