Law often requires homeowners insurance if you are still paying on your mortgage, but you probably did not know that the policy could cover much more than just the physical building of your home. Here are five surprising things your homeowners insurance can protect.
Your Home
You probably know your home is covered by your homeowners insurance Lodi CA, but did you know that all attached structures could be included in that coverage? That can include decks, garages, and storage bungalows.
Your Family
Sometimes the unexpected happens, and another person’s property can become damaged by you or one of your family members. When this happens, the liability clause in your insurance policy can help pay legal fees and medical bills.
Your Friends
If you have guests visiting your home and one of them is accidentally injured while on your property, the guest and visitor medical protection in your insurance can help protect you from liability. The policy can often pay for any medical bills the guest incurs due to the injury.
Your Property
When structures are not attached to your home but are still considered part of your property, the other structures clause in your policy may cover them. The coverage could include replacement or repairs of fences, sheds, and barns.
Your Personal Items
When a covered loss occurs, such as theft, fire, or water damage, the items considered personal property can be covered under the personal property section of your insurance policy. This can include electronics, furniture, and clothing.
Having a homeowner’s insurance policy may not prevent you from dealing with a broken pipe or hailstone damage, but it can provide you with the security of knowing your home and belongings are protected if the unexpected occurs. Having insurance protection can help you get your house restored, and you and your family back into your home more quickly.