You probably know your homeowner’s policy covers structural damage and protects your belongings. However, you may be surprised by some of the things your policy might cover. At Sump Insurance in Clarinda, IA, we offer homeowner’s insurance.

Meteors

Your homeowner’s policy covers meteors from outer space and other objects falling from the sky. A meteor hit a New Jersey home in 2023. You are covered if a space rock, satellite, or other object hit your house.

Reward Money

If your home is burglarized, you may know that your homeowner’s policy will cover replacing the stolen items. However, you may not know that some policies will cover a reward for information leading to a conviction in the case.

Spoiled Food

A power outage isn’t something that you typically report to your insurance company. However, power outages can lead to your food spoiling. Your homeowner’s policy will cover the cost of the groceries you had to toss.

First Aid

Your homeowner’s policy will cover your liability if someone is injured on your property. This includes any reasonable first aid and medical care expenses.

Legal Defense

If you are sued, your homeowner’s policy doesn’t just cover any judgment against you. It also covers legal defense fees, expert witness costs, and any missed time from work due to court appearances.

Hotel Accommodations

If your home is temporarily unlivable, your homeowner’s policy covers your living expenses, including food and hotel or rental costs, while you wait for it to be repaired.