Five Surprising Things Covered by Home Insurance

While you know your home insurance policy covers the basics, like fires and vandalism, you might be surprised by some of the additional coverages. Armored Insurance in Ellensburg, WA, provides home insurance tailored to your needs.

1. Dog Bites

Your homeowner’s policy includes liability coverage. If a dog on your property injures or bites someone, your policy will cover their medical bills and any judgment against you, up to the coverage limit.

2. Volcanoes and Meteorites

Homeowner’s policies cover falling objects. This includes everyday items like tree limbs and more unusual hazards. If a volcano or meteorite damages your home, your policy will cover repairing or replacing your home and belongings.

3. Theft

If someone steals items from your home or property, you’re covered. Your home insurance policy will cover the cost of replacing these items. However, you may need additional coverage for very valuable items like art, jewelry, or antiques.

4. Living Expenses

If your home is damaged and you have to evacuate, a home insurance policy will cover your living expenses. This includes a rental home or hotel room and food costs until you can return to your home.

5. Spoiled Food

While the food in your fridge might not be the first thing that comes to mind when you think of valuable items in your home, homeowner’s policies often cover the cost of replacing spoiled food. You can restock your fridge with insurance coverage if you have a power outage or need to evacuate due to a natural disaster.

Secure Home Insurance at Armored Insurance

If you need home insurance in Ellensburg, WA, contact us at Armored Insurance. Our friendly agents are here to help you select the right policy for your needs.