You may think that home insurance is only good in natural disasters. When a fire, hurricane, or flood damages your home, your insurance should cover the damage. However, there are many times you can use your home insurance coverage regardless if there is a natural disaster or not. We wanted to provide a few unusual claims circumstances that are covered under your homeowner’s insurance.
An item falling from the sky — Damage that comes from “falling objects”, which includes stuff that comes from the sky, is usually covered.
Illness as a result of food — If you have a dinner party and your guests get sick, your homeowner’s insurance can provide coverage.
Kids at college — If you have children attending college, their personal property is covered, usually up to a specific amount.
Dog bites — Dog bites are generally covered, so your homeowner’s policy will most likely protect you if your family pet bites someone. However, many insurance carriers maintain lists of “high-risk” breeds that are not covered under a standard policy.
Losses Not Covered under a standard Homeowner’s or Renter’s Policy
- Earthquake
- Flood
- Intentional acts
- Criminal acts\
The Management and the entire professional staff of Beckerman & Company will always strive to provide all of our valued clients with the finest in customer service. In doing so, we serve our community in meeting their needs. When we help our clients, their employees and families, we help ourselves and our families.