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5 Unusual Items You Didn't Know Your Home Insurance Policy Covered

Covered by homeowner insuranceYour home insurance policy is written using simplified language, but policies still seem downright tricky at times. Unless you’ve spent a sizeable chunk of your leisure time sifting through your policy's agreements, definitions, and exclusions, you might not realize that these five items are actually covered.

The counterfeit buck stops here

What happens when counterfeiters pass off a stack of bogus bills to you before you realize they are worthless? Incidents like this happen more often than you might imagine. Fortunately, the “Additional Coverages” section of your policy insures the value of money lost due to your acceptance of counterfeit American or Canadian bills.

The wall got in the way

Suppose you’re so sleepy one evening that you miss your garage door and drive through the front wall? It's your fault, but oddly enough, your insurance company won't deny your claim. Your home insurance policy doesn't work that way. They cover damage caused by “Vehicles,” even yours. Of course, exclusions apply, like when you damage your own tree or drive through your home intentionally.

Speaking of trees

The "Trees, Shrubs and Other Plants" provision under "Additional Coverages" pays up to 500 dollars for vehicle damage to your tree when a stranger causes it. Your policy also pays when your landscape is ravaged by fire, lightning or one of several other insured perils.

Get out now!

Who pays your additional living expenses when the authorities order you to leave home because your neighbor's house is burning dangerously out of control? It might surprise you that "Coverage D- Loss of Use," pays you under the "Civil Authority Prohibits Use" provision of your Homeowners policy. The coverage reimburses you when a quick exit is necessary due to a covered peril, even if it happened next door.

I lost my rock

If your diamond is missing from your ring--not stolen, just missing--will your home insurance policy pay for it? If you have an HO 5 you’re in luck. It has the broadest Homeowners coverage available. It pays for that diamond even if you accidentally drop it down the sewer. Other Homeowners forms are written on a Specified Perils basis and will pay only if your stone was damaged by a covered peril.

When you aren't sure if your loss is covered under your Homeowners policy, turn in a claim and let your company decide. You might be surprised with the results.  

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David Miller
David Miller
Thank you for visiting us. My name is David Miller, and I know what it means to have to fight with your insurance carrier just to get fair payment for your property damage claim. My family suffered a total loss house fire that took nearly two very stressful years to settle. Since, I combined my experience in construction with my expertise in contract language to create Miller Public Adjusters. We work exclusively for policyholders. Please feel free to comment, ask questions, and let us know how we can help.

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