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4 unexpected things covered by home insurance

April 3, 2015

By paying regular premiums for your home insurance, you'll be protected from spending huge amounts of money out of pocket when disaster strikes. There are some obvious events covered under your home insurance policy, like storm damage and burglary, but under closer investigation, you could be protected from a few surprising things, too. Check out this list to learn about what unexpected circumstances you might be covered under:

Asteroids are just one of many odd events covered under your insurance policy.

1. Spoiled food

A common consequence of a thunderstorm is an electrical power outage. If you don't have a back-up generator, that could mean that when your fridge stops receiving power, all the perishable food items will spoil. Your insurance company can cover the cost of the food you lost. Typically, the price of replacing the spoiled food items is less than the cost of the deductible, so most people don't file a claim when their leftovers go bad. However, there are instances when letting your insurance carrier know about spoiled food is either necessary or overall beneficial.

Admittedly, when the only damage in a storm comes in the form of rotten eggs, then there's probably no need to file a claim. The deductible would cost as much as it would to replace the food. On the other hand, if there's more damage done in the home, adding the cost of lost cuisine in a larger claim would be beneficial. This is especially true if you store a lot of frozen food.

2. Relocated wedding

Yes, your insurance company can even step in to save your wedding woes. Many people opt to use their large-sized backyards as both a wedding and reception venue. It's a low cost option if you have the space for it. What happens, though, if a fire destroys part of your home the day before the wedding? Under the “loss of use" coverage of your policy, most insurance companies will pay the difference for a quick relocation of a wedding venue. However, it's a good idea to check with your insurance company about their loss of use policy before planning a backyard wedding.

3. Something falling from the sky

Whether it's a bird, a plane or an asteroid, if it hits your home, you'll probably need to file an insurance claim. Fortunately, many companies offer “open perils" coverage, which means you can file a claim for any damage not explicitly excluded from the policy. So, while your policy probably doesn't specifically cover damage from part of an old satellite crashing into your lawn, you may still be covered for debris falling from the sky.

4. Stampeding animals

You might never encounter a stampeding herd of animals in your neighborhood, but rest assure that you'll be covered for it if they manage to run down your home. Some insurance companies offer coverage for damage done to your home by animals that you don't own. So, if your neighbor's pack of horses escapes the fencing and gallops across your living room floor, be sure to make a phone call to your insurance company.

Life is full of unpredictability, but, luckily, your insurance company knows that. Review your policy to find out what other unexpected events are covered.