When most people think about a homeowners insurance claim, they picture something like a tree branch toppling through the roof of a house. Although that situation is covered, that is only the beginning of the protection offered by home insurance. Below are examples of a few unexpected situations that a homeowners insurance policy protects against.

4 Unexpected Scenarios Covered by Home Insurance

1. Falling Space Debris

Imagine the next shuttle or satellite falls out of the sky and lands on your house. Or perhaps it's not human-made, but a meteorite. In either case, your home insurance policy probably covers it. Most insurers cover damage caused by falling objects. Although this generally refers to tree branches, hail, and snow, it also includes space debris and meteorites.

2. A Dog Bite

If your dog should get loose and hurt a neighbor or passerby, the fallout could be tremendous. The medical bills could be staggering, and you could face a legal battle. Homeowners insurance pays for the medical treatment as well as the legal bills, including lawyer fees, court costs, and judgment or settlement amounts.

3. Fire Department Charges

A house fire is devastating, even if the local fire department arrives in time to put it out. Unfortunately, they can present you with a bill for their services. Fire departments do this to keep taxes low, but it can feel egregious after suffering a fire. Fortunately, your homeowners insurance policy covers both the cost of damages and the fire department bill you receive.

4. Spoiled Food

Many people stock up on groceries when they're on sale and store them in their freezer. However, a sudden power outage could lead to thawing and spoilage. If this happens, check with your insurer about reimbursement. Many carriers cover this situation.

For help putting together the ideal homeowners insurance policy for your situation, contact Hummel & Plum Insurance Agency in Chillicothe, OH. They have served Ross County since 1904, and they offer auto, farm, business, flood, and life insurance. Visit their website to learn more about their services, or call (740) 773-1620 to request a quote.