Surprising Benefits of Having the Right Home Insurance

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Unexpected things covered by your home insurance.

Most homeowners understand that their insurance is designed to cover four main things: their home’s physical structure, their personal belongings, their personal liability, and their additional living expenses.  However, you may be surprised to learn that your policy also affords you a number of additional coverages as well.  Here are some of the coverage perks associated with having the right homeowners insurance in place.

  • Coverage for the Damage Caused by Falling Objects

If a tree branch were to come crashing through your home’s roof, then your homeowners insurance would offer the coverage that you need to repair your property and replace any of the personal belongings that were damaged in the event.

  • Coverage for the Damage Caused by Power Outages

While most power outages are fleeting and little more than an annoyance, a prolonged power outage can have more serious consequences.  Most notably, you will have to throw away all the perishable foods in your fridge and freezer due to spoilage concerns.  Fortunately, your homeowners insurance may offer coverage for this loss and will help you restock your fridge once the power returns.

  • Coverage for Family, Even When They Are Away from Home

If you have a child that is a full-time student living away from home, then the personal property and liability coverage included in your homeowners insurance will go with them.  While different policies will have different limits regarding the extent of this coverage, your kids could be covered under your policy until age 26 or until they move into an apartment of their own.

These are some of the things you might not have known were covered under your home insurance.  Do you have additional questions about what your home insurance can do for you?  If so, then contact the experts at Udell Family Insurance.  We are ready to assist you with all your coverage needs today.

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