While most people understand that their homeowners insurance in Carrollton, Texas covers physical damages to their home, they might be unaware that their coverage extends far beyond this. In fact, there is a wide range of coverages included in your homeowners policy. Here are some of the unexpected things covered under your home policy.
Sheds, Dog Houses, Patios, Etc.
As previously mentioned, your homeowners insurance covers physical damages to your home. But did you know that this coverage extends to cover the various structures on your property? This means that should your storage shed sustain damage, then this would be covered under your homeowners insurance policy. Just make sure that your insurer is aware of the structures on your property. This way they will be documented in case you ever do need to file a claim.
In addition to coverage for damages, your homeowners insurance also includes personal liability coverage for the policyholder. This liability coverage extends to pet-related liability issues such as dog bites. If your four-legged friend were to bite your neighbor, then your homeowners insurance would cover your neighbor’s medical costs and your legal fees should they decide to file a lawsuit. Just make sure that your dog is explicitly covered under your policy. Some insurers refuse to cover certain, “dangerous” dog breeds.
Your Belongings as You Travel
Finally, many homeowners are unaware that their insurance will actually protect the personal belongings that they carry with them as they travel. For instance, if your laptop was stolen on your vacation in Greece, then your homeowners insurance would cover your loss. However, you should be aware that this coverage has limits. If you are travelling with a particularly expensive item, then you might need to take out an additional policy to ensure that you are getting all the coverage that you need.
These are some of the unexpected things covered under your homeowners policy. Do you still have more questions regarding you homeowners insurance in Carrollton, Texas? Then don’t hesitate to contact the professionals at Mike Leonard Insurance Agency. Our dedicated team is eager to find you the right coverage from one of our many carriers including: Kemper, MetLife, Travelers, The Hartford, Safeco Insurance, Progressive, and American Strategic Insurance. Don’t worry, we’ve got you covered.