List of Weird Things Covered by Home Insurance: Unusual Items You Didn’t Know Were Protected
Home insurance policies are designed to protect homeowners from unexpected events such as natural disasters, theft, and accidents. While most insurance policies cover standard items such as furniture, appliances, and electronics, there are some unusual items that can also be covered. Homeowners should be aware of these unusual items to ensure that they are adequately protected in the event of a loss.
One of the weirdest things covered by home insurance is damage caused by a meteorite. While it may seem unlikely, it has happened before. In 2013, a meteorite exploded over Russia, causing damage to thousands of buildings. Fortunately, many of the affected homeowners had insurance policies that covered the damage caused by the meteorite. Another unusual item that may be covered by home insurance is damage caused by a volcano. Homeowners who live near active volcanoes may want to consider adding this coverage to their policies.
It is important for homeowners to read their policies carefully to understand what is covered and what is not. Some policies may have exclusions that prevent coverage for certain items. For example, some policies may not cover damage caused by floods or earthquakes. Homeowners who have unusual items that they want to insure should speak with their insurance agents to ensure that they have the proper coverage.
Unusual Items Covered by Home Insurance
Home insurance policies cover more than just the physical structure of a home. In fact, some policies can cover some of the most unusual and unexpected items. Here are some of the most unusual items that can be covered by home insurance policies.
Food Spoilage Coverage
Some home insurance policies can cover the cost of food spoilage due to a power outage or other covered event. This coverage can be especially helpful for those who keep a lot of food in their home.
Grave Markers Coverage
Home insurance policies can also cover the cost of repairing or replacing grave markers that are damaged due to a covered event. This can provide peace of mind for those who have loved ones buried in a cemetery.
While it may seem unlikely, some home insurance policies can provide coverage for expenses related to kidnapping, such as ransom payments or other costs associated with a kidnapping.
Believe it or not, some home insurance policies can cover damage caused by meteor strikes. While this is an extremely rare event, it can provide peace of mind for those who live in areas where meteor strikes are more likely to occur.
Volcanic Eruption Coverage
Similar to meteor coverage, some home insurance policies can cover damage caused by volcanic eruptions. This coverage can be especially valuable for those who live near active volcanoes.
Falling Objects Coverage
Home insurance policies can also cover damage caused by falling objects, such as tree limbs or debris from a nearby construction site. This coverage can be especially helpful for those who live in areas with a lot of trees or construction.
Stamp Collection Coverage
For those who collect stamps, some home insurance policies can cover the cost of replacing lost or damaged stamps. This coverage can provide peace of mind for collectors who have invested a lot of time and money into their collections.
Unauthorised Use of Credit Cards Coverage
Finally, some home insurance policies can provide coverage for losses due to unauthorised use of credit cards. This coverage can be especially helpful for those who have had their credit cards stolen or used fraudulently.
It is important to note that not all home insurance policies will cover these unusual items, and coverage may vary depending on the policy and the insurance provider. It is important to carefully review your policy and speak with your insurance provider to understand what is and is not covered.
The Importance of Reading Your Policy
Home insurance policies can be complex documents that cover a wide range of situations. It is important to read your policy carefully to understand what is covered and what is not. This can help you avoid surprises and make sure that you are adequately protected.
Some policies may include coverage for unusual or unexpected events, such as damage caused by a volcano or a meteorite. However, these types of events are not typically covered by standard policies, so it is important to check your policy carefully to see what is covered.
Another important reason to read your policy is to understand the limits of your coverage. For example, some policies may have limits on how much they will pay for certain types of damage or losses. If you have valuable items that exceed these limits, you may need to purchase additional coverage or a separate policy to protect them.
It is also important to understand any exclusions or limitations in your policy. For example, many policies exclude coverage for damage caused by floods or earthquakes. If you live in an area that is prone to these types of events, you may need to purchase additional coverage or a separate policy to protect yourself.
In summary, reading your home insurance policy carefully is essential to understanding your coverage and ensuring that you are adequately protected. It can help you avoid surprises and make sure that you have the coverage you need in the event of a loss or damage.
How to Make a Claim for Unusual Items
Making a claim for unusual items covered by home insurance can be a confusing process, but it doesn’t have to be. Here are some tips to help you make a successful claim:
- Read your policy carefully: Before making a claim, it’s important to understand what is covered by your policy. Most home insurance policies cover common items such as furniture, electronics, and appliances. However, some policies also cover unusual items such as collectibles, artwork, and even pets. Make sure you know what your policy covers and the limits of coverage.
- Document your items: If you have unusual items that are covered by your policy, it’s important to document them. Take photos or videos of the items, and keep receipts or appraisals if you have them. This will help you prove the value of the items and make it easier to file a claim.
- Contact your insurance company: If you need to make a claim, contact your insurance company as soon as possible. They will guide you through the process and let you know what information they need from you. Be prepared to provide documentation of the items and the damage or loss.
- Be honest: When making a claim, it’s important to be honest about the value of your items and the circumstances of the loss or damage. Exaggerating the value of your items or lying about the circumstances can result in your claim being denied or even your policy being cancelled.
- Follow up: After filing a claim, make sure to follow up with your insurance company regularly. Ask for updates on the status of your claim and provide any additional information they may need. This will help ensure that your claim is processed as quickly and smoothly as possible.
By following these tips, you can make a successful claim for unusual items covered by your home insurance policy.
In conclusion, home insurance can cover a wide range of weird and unexpected things. From damage caused by a meteorite impact to infestations of bats or bees, homeowners can rest assured that they are protected against a variety of unusual events.
However, it is important to note that not all policies are created equal. Homeowners should carefully review their policies to ensure that they have adequate coverage for their unique needs and circumstances.
Additionally, homeowners should be aware that certain events, such as earthquakes and floods, may require separate policies or endorsements. It is always a good idea to consult with an insurance agent or broker to ensure that all of your insurance needs are being met.
Overall, home insurance provides a valuable layer of protection for homeowners. By understanding the coverage options available and choosing the right policy, homeowners can have peace of mind knowing that they are protected against the unexpected.
Frequently Asked Questions
What are some unusual things that can be covered by home insurance?
Home insurance policies can cover a wide range of unexpected events, such as damage caused by falling objects, wildfires, and even volcanic eruptions. Some policies may also cover damage caused by riots, civil unrest, or acts of terrorism. Additionally, certain policies may offer coverage for valuable items, such as jewelry, artwork, or antiques.
Is it possible to get coverage for paranormal activity in a home insurance policy?
While home insurance policies typically cover physical damage caused by natural disasters or accidents, they generally do not cover damage caused by paranormal activity. However, some policies may offer coverage for damage caused by vandalism or theft, which could include damage caused by individuals attempting to perform paranormal activities.
Can home insurance cover damage caused by a meteorite?
Yes, some home insurance policies may offer coverage for damage caused by a meteorite. However, coverage for this type of event may be limited, and homeowners may need to purchase additional coverage to fully protect their property.
What are some common exclusions in a homeowners insurance policy?
Homeowners insurance policies typically do not cover damage caused by flooding, earthquakes, or other natural disasters. Additionally, some policies may exclude coverage for damage caused by certain types of pets, such as aggressive dog breeds. It’s important to carefully review the terms of a homeowners insurance policy to understand what is and is not covered.
Does homeowners insurance cover damage caused by mold or mildew?
Homeowners insurance policies may offer coverage for damage caused by mold or mildew, but this coverage is typically limited. Insurance companies may require homeowners to take preventative measures, such as fixing leaks or improving ventilation, to prevent mold growth. Additionally, some policies may exclude coverage for mold or mildew damage altogether.
Can home insurance cover damage caused by a pet?
Home insurance policies may offer coverage for damage caused by pets, but this coverage is often limited. Some policies may exclude coverage for damage caused by certain types of pets, such as aggressive dog breeds. Additionally, homeowners may need to purchase additional coverage to fully protect themselves from pet-related damage.