Learn the other surprising things your homeowners’ insurance covers below!
Solar Panels
Getting solar panels is a great option if you’re considering going green and want to slash your monthly utility bills. But, many people are unsure if their homeowners’ insurance covers solar panels.
We’re here to tell you that, in many cases, they are. This is because they often fall under the “other structures” part of your coverage, which includes things like fencing and the garage. So most homeowners won’t have to change much of their policy once they install a solar system.
Temporary Lodgings
If damage to your home is so extensive that you and your household must live elsewhere for a while, your homeowners’ policy should cover temporary lodgings and living expenses.
Whether it’s an Airbnb, hotel, or condo, your policy will ensure a comfortable place for you and your household to stay while professionals make repairs to your damaged home. Many policies will even cover moving, renting a storage space, boarding your pet, eating out, and other expenses you incur due to damage to your home and displacement.
Identity Theft
Fans of The Office know that identity theft isn’t a joke, and millions of families suffer yearly. Thankfully, many homeowners’ policies also include identity theft protection in case anyone ever steals your sensitive information.
This protection includes losses that occur outside of your home and the expenses for services to repair your credit and restore your identity. If this protection isn’t standard but is possible to add to your policy, consider it. Ensuring you have protection in the worst-case scenario of your identity getting stolen is wise.
Meteorites (and Other Falling Objects)
Damage from falling objects is one of the most common aspects of a homeowners’ insurance policy. While this protection often activates due to falling trees, branches, or other everyday things, it’ll also cover you if your home sustains damage from anything out of this world.
That’s right—if a meteor, an asteroid, a piece of satellite, or anything else from space ever strikes your home, your policy will cover the cost of damages.
Wild Animal Destruction
If you live in an area that might have large predators roaming around and sometimes causing carnage, like bears or wolves, you’ll be glad to hear that your homeowners’ insurance will cover any damages they cause. This doesn’t include damage from pets but only animals considered wild. Often, small rodents like squirrels or rats are not part of the coverage. If a bear comes to raid your garbage or garage fridge, don’t worry, though. You’ll have coverage for that.
There are many things your homeowner’s insurance covers that would surprise you. Of course, you should always read your policy’s fine print and details to ensure you have coverage for these incidents. Check your policy to confirm what you do and don’t have today!
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