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4 Surprising Things Your Home Insurance Can Cover

Home Insurance Fargo Moorhead

If accidents, theft, or damage take place in your home, the last thing you want to worry about is if your home insurance covers certain losses. That’s why figuring out what your home insurance covers ahead of time is so vital for your peace of mind.

While basic homeowners insurance policies cover your dwelling from things like fire and theft, there are plenty of things you might be surprised to know can be covered by a comprehensive home insurance plan.

  1. Other Structures on Your Property

In addition to the structure of your home, your insurance can also cover other structures on your property that aren’t attached to your house. This could include things like dog houses, patios, gazebos, and more!

  1. Spoiled Food

When a storm or another event causes a power outage in your home, the food in your refrigerator will spoil quickly. If you take pictures ahead of time, many homeowners insurance plans will reimburse policyholders for the cost of spoiled food after a power outage.

  1. Dog Bites

Some home insurance plans cover medical care expenses if Fido bites someone. If this sounds like something your dog might do, it might be useful for you to purchase additional coverage for this event. Often, a base level of coverage is included for dog bites, but if your pet inflicts serious damage, the costs may exceed your policy limits.

  1. Tombstones

Although grave markers and tombstones aren’t always on your property, they’re considered personal property and can be covered by your home insurance. If a tombstone is damaged or cracked from something like a storm or falling tree, you may be covered for about $5,000 in damages. However, if the cemetery is responsible for damaging the tombstone, they should have their own insurance to cover it.

Not all home insurance policies are the same, which is we work with homeowners to craft unique plans that fit your equally unique home and property. Call Fargo Moorhead Insurance today so we can find the right home insurance policy for you!