For many people, thinking about home insurance can be reminiscent of destroyed homes - burnt by wildfires, flattened by tornadoes, or haunted by winds. It is easy to forget that family insurance can cover more. Here are some reminders of some of the amazing things that the policy can cover.
Dog bite
Whether Sparky is over-excited by a new neighbor or slamming cable TV, homeowners can get a lot of money in the case of a dog bite. The average cost of a dog bite claim in 2015 was more than $37,000. Fortunately, most home insurance policies extend to dog bites, ensuring that beloved family pets do not become an insurmountable debt.
accident
Forgetting the shovel lane doesn't sound like something that insurance can guard against, but if someone slips and falls on the ice, the homeowner may have to bear the cost of the damage. This is also the case if you are wearing a loose carpet or falling over a rickety armrest. They don't even have to be invited guests; they may be door-to-door salespeople or unexpected visitors. Either way, most plans cover these small and expensive accidents.
lawyer fee
If their property has an accident, the homeowner finds that he is involved in legal confusion and does not need much. Most policies pay for legal fees associated with protecting policyholders in court. Therefore, in the event of an accident, the owner does not have to pay for the hospital bill or the cost of hiring a lawyer who is compensated.
Dormitory theft
When the first college students left their parents, they often carry a variety of valuables, including laptops, jewelry and clothes. Unfortunately, the living conditions of these groups can promote theft. Fortunately, some insurance policies cover theft of hostels. Since the dormitory is considered not to be promised, the coverage can be limited to 10% of the total amount of insurance held by the individual in the policy. Students who live off campus may not be covered if they do not have insurance for renters.
Riot
This does not happen often, but most housing insurance policies cover property damage if there is a dramatic change in protests or celebrations. Often, companies find themselves plagued by riots or civil strife, but homes are not immune to violence. In the early 1990s, the Los Angeles riots received $775 million in insurance claims from damaged businesses and households. Developing a plan to prevent this disruption can help people recover quickly and avoid lasting economic losses.
Orignal From: Not all fires and floods: your home insurance covers your surprise
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