5 Things You Never Knew Your Home Insurance Could Cover

Most home insurance companies include damages from an accidental fire in their policies. They cover expenses from personal injuries, loss of property, and house repairs. However, people forget the cost of a private fire brigade service when billing the insurance company.

Generally, contracting firefighting services should be free. However, in a situation in which the public fire department is overstretched or attending to a fire emergency elsewhere, you may need the services of a private fire brigade service to salvage the situation. These are paid for, and you should include the invoice in your insurance claim.

Home insurance policies cover loss of property from theft and burglary. What happens if thieves break into your home when you have visitors around and steal their valuable possessions? Ideally, an insurance company should cover anything lost in the house when there is a burglary or theft.

When visitors are in your house, they are under your care. Therefore, include any valuable loss as part of damages incurred after theft or burglary.

Dogs can be resentful to people they don't know. If your dog bites the postman or the neighbor's child, you will be liable to pay for their medical expenses and compensation claims. This is often costly, depending on the severity of the harm. Statistics show that liability claims for dog bites cost you as much as $50,000.

Did you know your home insurance coverage covers claims against your dog? You just have to include your pet in your liability coverage and inform your insurance company of any claims against your dog. However, an insurance company will not cover dog bites that result from negligent actions. For example, insurance will not cover a dog bite as a result of forgetting to leash or restrain your dog.

Graves and tombstones are very sentimental to many people as they hold memories of lost ones. Additionally, they spend a fortune on monuments and preserving these places. Subsequently, they become an integral part of the property and are therefore covered in and by your insurance.

If there is vandalism or any other disaster that leads destruction of your graveyard, you should file a claim with your insurance company. Do not hesitate as a graveyard is part of your property, as is the pavilion.

Have you ever thought of a situation where an electrical malfunction makes the fridge stops working? That means food preservation ceases, and a large amount of food in your fridge spoils, especially if the power is not available for some days.

Food going to waste results in unplanned expenditure to restock. You should be able to recover these costs. Your home insurance covers electrical damages. Electricity cover takes care of the electrically induced fire, damaged appliances, and food that spoils in the fridge due to electrical failure.