Most homeowners understand that their homeowner insurance policy provides them with protection against losses to their house, detached structures, and their contents. Many also understand that personal liability and medical payments coverage is also part of a homeowner policy.

However, if you ask 10 homeowners if they know what else their insurance policy includes, chances are only a few of them will be able to provide a correct answer. Some will mention optional endorsements such as water backup of sewers and drains or earthquake coverage. Even less will mention additional living expense – which is included in all homeowner policies – and one or two might bring up debris removal. A few might incorrectly mention flood (unless their policy has a personal flood coverage endorsement on it).

Are you a homeowner? If so, can you name some of the additional coverages that are included with your homeowner insurance policy?

While insurance policies differ from company to company, many comprehensive homeowner policies in the marketplace include additional coverages such as:

  • Losses to trees, shrubs, and other plants (caused by specified perils that are listed in the policy)
  • Credit card forgery
  • Loss assessment for charges assessed to you by a homeowner association
  • Ordinance or law coverage
  • Grave markers

In addition, many insurance companies have taken things a step further and offer even broader enhancements that include:

  • Coverage for loss to refrigerated contents
  • Personal injury liability coverage
  • Coverage for stolen keys
  • Coverage for jewelry or furs

You can view many of the various enhancements that Central includes with their homeowner insurance programs here.

In short, your homeowner insurance policy includes a lot of extras that you probably didn’t expect. Reach out to your independent insurance agent to learn more about what your particular insurance policy includes!

The information above is of a general nature and your policy and coverages provided may differ from the examples provided. Please read your policy in its entirety to determine your actual coverage available.

Copyright © 2019 Central Mutual Insurance Company. All rights reserved.

One response to “The Many Coverages of Your Homeowners Policy”

  1. It’s great that you brought up how homeowners’ insurance can cover more than just your house. Like it can cover loss of trees or other vegetation on your property as well. Homeowners should pay extra attention to the insurance policy they get as well as ask about other possible benefits and coverages. Thanks for helping people realize that there is much more to home insurance than just covering the house itself.

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