Here are some of the surprising coverages included in your homeowners insurance policy.
While most homeowners have insurance coverage for their homes, they don’t realize everything that their policy covers. Your home insurance policy covers physical damages to your property, but the coverage does not end there. Here are some of the other unexpected coverages included in your homeowners insurance.
Gazebos, Sheds, and Patios
As previously mentioned, your homeowners insurance protects your home against physical damages. However did you know that your policy also covers the damages sustained by other structures on your property? This means that structures such as storage sheds, gazebos, patios, and so on are all included in your coverage. Just make sure that your insurance provider knows about the various structures on your property. This way you will have documented coverage for these structures.
The Things You Are Traveling With
Most homeowners insurance policies cover your belongings wherever they go under an “off-premises” provision. For example, if your laptop got stolen while you were vacationing in the Bahamas, your policy will likely cover it. However, this coverage may have limits. If you are traveling with an especially expensive item, then you might want to consider adding an endorsement to your policy to ensure that you have adequate coverage.
Additional Living Expenses
If your home is damaged and made temporarily uninhabitable, your homeowners insurance has you covered. Your policy will cover any additional living expenses–such as hotel and restaurant bills–that come from you having to live elsewhere while your home is being repaired. However, be aware that this coverage may be limited. It’s important to check your policy to see how far your coverage extends.
These are some of the surprising things covered under your homeowners insurance policy. Do you have more questions regarding your home insurance coverage? Don’t hesitate to contact us at Westwood Insurance Agency. Our dedicated insurance experts are ready to assist you with all your coverage needs.