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Homeowners insurance protects your house, its surroundings, and your possessions from damage and liability. If your roof sustains damage from a tree branch, or a guest injures themselves on your deck, you can submit a claim to cover these unexpected perils. Most homeowners may be surprised to learn their coverage extends to several other non-traditional items and scenarios. Below are a few of them.

Uncommon Scenarios Homeowners Insurance Can Cover

1. Lost Luggage

Holiday travel can be a mix of delayed flights and last-minute changes. In the midst of it all, you may lose your luggage. Thankfully, your homeowners insurance will typically cover the replacement costs. This includes if your possessions are stolen or damaged while traveling in the U.S. and abroad.

2. Fraudulent Debit & Credit Card Usage

homeowners insuranceUnfortunately, stolen debit and credit cards spike around the holidays. If someone steals your card, a homeowners insurance policy may provide reimbursement. Agencies typically cap recovery costs a certain dollar amount, and you likely won’t have to pay the deductible before your insurance provider satisfies the claim. Insurance agents still advise you to report stolen card incidents to your bank or credit card company as soon as possible for financial recovery.

3. Drones

A remote-controlled drone is an exciting Christmas gift that has grown in popularity recently. However, if it unexpectedly falls from the sky and injures your neighbor, you are liable. Homeowners insurance will pay for their medical expenses and depending on the policy, wage loss, lawsuit costs, and settlements. Remember that coverage only applies to personal drone use, not commercial use.

4. Dog Bites

During the holidays, visits from relatives and friends are common. The influx of people can make dogs, cats, and other pets nervous and more territorial. As a result, your pet may end up biting a guest or damage a visitor’s property. With homeowners insurance, coverage includes medical care and the repair or replacement costs of broken items. While the protection extends to guests on your property and their possessions, it does not cover the permanent occupants of the home.

 

These are a handful of uncommon items and incidents covered by homeowners insurance. The experienced and friendly team of agents at Pearson & Barnes Insurance in Somerset, KY, offers customized protection that extends to many perils. As an independent agency, they can compare rates from several leading insurance providers to ensure you’re getting affordable and comprehensive coverage. To get started with a free quote, call (606) 679-1450. Learn more about their services online.

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