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Surprising Things Your Homeowners Insurance CoversWhat You May Not Know Your Home Insurance Covers 

Accidents happen. That’s why you have insurance. We all have a fairly clear idea of what our homeowners insurance in Antioch, CA covers and what it excludes. Home fire, theft, hurricane? No problem. You can file a claim. Although every policy is different, many policies cover other items that would surprise most homeowners. Check out a handful below.

Your college student’s property. If your child is a full-time student living on their college campus, their laptop, phone, clothing, and pretty much everything else is covered by your homeowners insurance policy. Therefore, if there’s a dorm fire or theft, you don’t have to worry about replacing everything from scratch. However, if your child lives in an off-campus apartment, he or she will need renter’s insurance.

Riots. Let’s say a protest turns violent or a victory celebration gets out of hand and your home is damaged during the commotion. Are you covered? Yes. Damage caused by riots is covered under standard homeowners policies

Dog bites. If your dog bites someone, your homeowners policy should provide coverage to help settle and legal and medical bills. Homeowners insurance also provides medical coverage to pay doctor bills if someone is injured by your pet or on your property. Considering that some lawsuits can end up costing hundreds of thousands of dollars, the insurance is valuable coverage.

Your new home needs the right insurance to protect it from accidents and disasters. Contact Jack Stone Insurance Agency to get started on your reliable homeowners insurance policy today.

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