5 strange things your homeowners insurance covers

By Posted : 10/30/2014

lavaMost people know damage caused by fire or burst pipes is covered by their home insurance, but even standard policies extend beyond the more common misfortunes. Here are five strange things that your homeowners insurance typically covers:

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1. It fell from the sky

Do you look to the heavens and fret over what's out there, like meteors, old satellite debris and other space junk that could drop on your home?

Most homeowners have "open perils" policies, meaning you are protected from anything that isn't specifically excluded. Damage that comes from "falling objects," which includes stuff that comes from the sky, is usually covered.

2. Volcano erupting

Volcanic eruptions are another incident that comes under "open perils." Many policies have coverage for volcanic action built in, but it is limited to any damage to your structure and possessions caused by lava or volcanic ash. That means you'll need a separate earthquake policy to be covered for any tremors and resulting damage connected to an eruption.

The volcano clause is especially important in a state like Hawaii, which also has a state-run volcano insurance program to provide even more coverage for residents in the highest-risk regions.

3. Wanted!

If you're robbed or burglarized, your home insurance may cover you up to $1,500 for any reward money you offer for information if it leads to a conviction.

4. Tombstone pranks

Headstones and other grave markers are often targeted by pranksters and are generally covered by homeowners insurance if they're cracked, crushed or defaced with paint.

They're seen as valuables, so they're generally  protected in your policy, with reimbursement  from $1,000 to $2,500.

Homeowners can raise the limit by purchasing additional insurance.

5. When the worst happens

Many, but not all, policies include protection to help you with clean-up costs if there's been a murder, suicide or unattended death in the home. Not all policies have this coverage, so you need to look at the policy or discuss it with your agent.

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3 Responses to "5 strange things your homeowners insurance covers"
  1. Michael Houston 22, Dec, 2013

    I used to have earth movement on my policy many years ago but they quit offering that. This would cover landslides and sinkholes, which are not covered by earthquake insurance. Is there any way one can get insurance for "earth movement?"

      Reply»  
  2. randy 29, Oct, 2013

    quite awesome

      Reply»  
  3. Insurance Hunter 28, Oct, 2013

    These are perfect examples of things that you are covered for but people are not aware of because they fail to read their policy closer. Make sure you read your policy so you know what you are covered for.

      Reply»  

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