Additional Coverage That May Be Lurking In Your Homeowner’s Insurance Policy

The main purpose of homeowners’ insurance is to provide monetary compensation in the event your home is damaged, but there are many other things that your homeowner’s insurance will cover. As matter of fact, there is a whole host of things that most insurance policies will cover that many of us aren’t aware of. Here are a few things that you might not know about your homeowner’s insurance policy.


1. Accidental damage cover 

Accidental damage to the contents of your home is potentially covered in your insurance policy. This means that if your three year old accidentally damages your flat screen TV, you may be able to claim the cost of its replacement on your homeowner’s policy. This can also help you replace your laptop if someone spills something on it. Some insurance policies will even help you replace things like your carpet or sofa if you spill something on it and it stains. This way you can pay for it to be professionally cleaned or replaced.

2. Replacement locks and keys 

Even the most basic homeowners insurance policies will pay to replace your locks if you lose your keys or they are stolen.

3. Mobile phone cover 

Stop paying for overpriced mobile phone insurance and simply use the mobile phone coverage feature on your homeowner’s insurance policy to repair or replace your damaged cell phone. This is generally only good if you damage your phone inside your home, unless you have personal possessions coverage, which will cover your phone no matter where you are. Even if you policy doesn’t cover this in the basic policy, it doesn’t cost much to add it on. In most cases, it’s significantly less expensive than carrying separate insurance on your phone, tablet and other devices.

4. Frozen food 

Did you know that most homeowners insurance policies have coverage for the loss of frozen foods if your freezer goes on the fritz? That’s right. Many, but not all do. Check your policy to see if you have this coverage and then relax knowing that you won’t be on the hook for replacing all of that food.

5. Garden cover 

In most cases, your homeowners policy will cover the items you have in your outdoor areas as well such as your grill, outdoor furniture, and even your plants.

6. Home emergency cover 

If you have a water pipe burst or your heater stops working in the middle of the winter, your homeowners policy may reimburse you for emergency services. If you don’t get this coverage standard, you can add it on as a rider policy.

7. Increased cover at Christmas or weddings 

Most people don’t realize it, but many standard home insurance policies will up the coverage limits on the contents of your home a month before Christmas or other large event, such as a wedding, and will stay increased up to a month after the event has passed, ensuring that the additional contents in your home are covered.

8. Legal cover

No one wants to get into a legal dispute with their neighbors. However, if you do, you might be able to claim your legal fees on your homeowners insurance policy.

And these are just a few of the additional coverages your homeowners insurance Cartersville GA may afford you that you aren’t aware of. Contact your insurance agent today and find out what else might be hiding in your home insurance Cartersville GA policy.

If you are in need of homeowners insurance Cartersville GA, Thompson Group Insurance has got you covered. Call today to discuss your
home insurance Cartersville GA options.

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