Homeowner’s insurance coverage covers the typical aspects of your home, but also a few surprising ones. If you’re thinking about owning a home, you should know that homeowner’s insurance is 100% essential if you want to protect yourself, your home, and your assets. When shopping for insurance, most insurance companies will show you their basic policy description, and you’ll find that it protects you from various unforeseen events, from vandalism to lighting striking. But have you ever deeply explored what homeowner’s insurance covers?

Let’s take a look at surprising things that are covered by homeowners insurance.

Flying Pigs (And Falling Objects)

Yes, homeowner’s insurance will cover the expenses if a flying pig crashes into your home. Most standard homeowners insurance coverages include damage from falling objects. If a flying pig falls from the sky and into your home, causing damage, the insurance company will pay for the repairs and damage.

Identity Theft

Your homeowner’s insurance might also cover identity theft. If your identity is stolen, you could be faced with fees trying to repair your credit. You could spend a lot of time and money trying to reverse the damage, and insurance companies understand that. Some insurers will offer identity theft coverage as an add-on to their standard policy. This coverage could help pay for expenses after your identity is stolen—legal fees, notary costs, lost money, and more. 

Injuries Caused by Pets

Homeowner’s insurance could also provide coverage if your pet injures someone. Most standard homeowners insurance policies include personal liability coverage. This can help cover medical and legal expenses if your pet injures someone who doesn’t live with you, including a guest, neighbor, or mailperson. However, some dog breeds and exotic pets are excluded from this coverage. It’s always best to confirm with your insurer to clarify any regulations or rules. 

Anything You Travel With

Bon voyage! Insurance protects your home while you’re away, but did you know that your homeowner’s policy can double as travel insurance? Homeowner’s insurance policies cover everything you own and still cover items wherever they go. These items will fall under the category “off-premises.” This means that, if you take your laptop or bag to an airport, and it’s stolen while you’re vacationing, you’re covered. It’s always best to leave your more expensive items home in a safe place while traveling, but if you must bring them, you can sleep peacefully knowing they’re insured. It’s best to have all your personal property documented beforehand. 

Homeowners insurance covers many surprising things. However, with Saferoad Insurance, you don’t have to be surprised. We aim to inform all our customers transparently about what their coverage and policies include. If you’re searching for homeowner’s insurance, auto insurance, or renter’s insurance, we offer affordable insurance in Long Beach, California, and the surrounding areas. Curious about your homeowner’s insurance coverage? Contact us today!