5 Surprising Things That Homeowners Insurance Covers

​When damage to your home and assets happens or if you face a significant liability risk, your homeowner's insurance policy may help you safeguard your financial situation.

Several typical coverages could amaze you, even though you can add extra coverage for your homeowner’s insurance. Here are some coverages most homeowners need to learn that their home insurance usually includes.

1. Identity Fraud Protection
   Some insurance providers include insurance for identity fraud as part of homeowner policies. This insurance could assist in covering costs if your identity is stolen. The fees of rebuilding your credits, such as legal bills, lost earnings, and notary fees, may be covered by identity fraud insurance.
   
   
2. Coverage for Spoiled Foods
   You must leave your refrigerator alone in a major catastrophe and flee the area. Depending on how much food storage you have, all those rotting food products that may cost hundreds or thousands of dollars might be covered by homeowner’s insurance.
   
   
3. Hospital Costs For Visitors Harmed On Your Premises
   Additionally covered by the homeowner's insurance policy is hospital pay coverage, which can assist in covering the medical expenses of anyone injured on your property. Also, liability insurance may give you extra defense against responsibility claims made by the harmed party.
   
   
4. Coverage For Tombstones
   You may utilize your homeowner’s coverage to protect the monuments you have built to memorialize your loved ones from vandals and natural catastrophes.
   
   
5. Accommodation Costs After An Insured Loss
   Your extra living costs insurance could assist in covering costs related to a temporary living arrangement after a covered loss. This insurance may include hotel costs, the price of a short-term rental home, laundry expenses, and any additional costs that might arise, such as keeping your pet boarded while you stay in hotels.

Bottom Line
When purchasing insurance, it is important to determine everything that may benefit you. That is why talking with your insurance provider about your policies is the best approach to finding out the coverage that is included in your homeowner's insurance policy so you can be aware of these advantages and make the most of the money you spend on insurance. 

At AllRisk Auto Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (360) 693-4044. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!