Unusual Home Insurance Claims

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Homeowner's insurance is designed to protect the homeowner and the lender from loss and damage. Most claims are filed as a result of things like fire, natural disasters, or flooding. But home insurance policies can also cover a few other unusual things that you might not know about. Here are some items that your homeowner's policy may cover if you need it.

Dog Bites

If you own a dog, there is always a possibility that it could bite someone inside your home or even in the backyard. If this happens, you could potentially be sued and end up losing a substantial amount of money. Home insurance can actually protect you from a liability lawsuit as a result of your dog biting someone. This kind of claim  is known as a liability claim, since you would be liable for the bite as the dog owner. If this happens to you, our policy should cover a limited amount of cost for the person's medical bills as a result of the bite. Depending on your liability limits, it could cover all of the expenses but if they are higher, you will responsible for the difference.

Falling Object Coverage

Sometimes things fall from above that can cause damage to your home, such as a tree limb snapping off after a storm. But other objects like debris from an airplane flying overhead or even a meteor from space can be included in your coverage. Anything that falls onto the roof or perimeter of your home that results in damage should be covered under your homeowner's insurance plan. It is important to note that you must take steps to prevent any further damage until repairs can be made, such as putting a tarp on your roof to protect your home from the elements in order for the damage to be paid.

Accidents That Occur Outside Your Home

If someone slips and falls on your icy sidewalk, your homeowner's insurance policy should cover their medical expense costs. Even if something happens when you are away from home, such as an injury to another person that you caused should be covered. Essentially, your policy protects you from liability in almost any situation regardless of whether or not it happened on your property. This is a good thing to know, since we live in a very litigious society. Read your policy carefully to make sure you have this kind of coverage, and keep it in mind in case you ever need to use it to protect yourself from financial damages.