Buying homeowners insurance will help protect your property and your belongings inside it from from a variety of losses from relatively minor to catastrophic. A good homeowners insurance policy can be a life saver when a burst pipe causes tens of thousands of dollars worth of damage to the interior of your home, or if someone breaks in and steals expensive equipment. Aside from providing protections for the home itself and your property within it, homeowners insurance provides coverage for some potentially-dangerous situations.

Dog Bites

A lot of homeowners insurance policies include liability coverage designed specifically for situations in which the homeowners dog bites somebody. No matter how friendly your dog is, it’s important to remember that it’s an animal and isn’t going to interpret every situation the same way a person would; just because it hasn’t bitten someone before doesn’t mean it never would.

Bringing Your Home Up To Code

When you experience a loss covered by your insurance, and new codes or regulations exist that require additional expenses to meet, your homeowners insurance policy may cover any new mandates required to bring your home up to code above and beyond the cost to repair or replace what was damaged in the loss.

Food Spoilage Due To Power-Outages

If your power goes out and you have to throw out everything in your freezer and refrigerator, your homeowners insurance policy may cover the cost to replace it all. Many policies provide up to $500 in repayments for any food lost due to power outages. However, just because your insurance could pay for the loss doesn’t mean you should necessarily file a claim for such a small amount. If you can replace the food you lost without the help of your homeowners insurance, you should do so.

Your homeowners insurance policy can cover a wide variety of unforeseen and unexpected situations – that’s what it’s there for. If you have any additional questions regarding insurance, give Carol a call at 661-803-3803 or stop by for a FREE quote!