You may believe that home insurance is only useful in the event of a natural disaster. If your home is damaged by a fire, hurricane, or flood, your insurance should cover the costs. However, whether there is a natural disaster or not, there are many times when you can use your home insurance coverage. We wanted to share a few unusual claim scenarios that are covered by your homeowner’s insurance.
An item falling from the sky — Damage caused by “falling objects,” which include items falling from the sky, is usually covered.
Illness caused by food — If you host a dinner party and one of your guests becomes ill, your homeowner’s insurance may cover you.
Children in college — If you have children in college, their personal property is usually covered up to a certain amount.
Bites from dogs — Dog bites are generally covered, so if your family pet bites someone, your homeowner’s policy will most likely protect you. However, many insurance companies keep a list of “high-risk” breeds that are not covered by standard policies.
Metrowest Insurance is independently owned and locally operated in Los Angeles Ca. We are here to serve all your insurance needs. We believe that local insurance agencies can best serve your insurance needs. As your local insurance agency, we will assist you in finding just the right combination of coverage, price and service. We handle both personal and commercial lines of business providing personalized service to each of our clients.