Many homeowners in Rochester Hills, MI, have a basic understanding of home insurance. They understand that home insurance pays for accidents that result in home damage. However, insurance companies today like Guy Hurley McNeil focus on very many aspects of your home insurance policy to ensure that you are adequately covered. Here are five covered losses that you may not know about.
1. Lawn and landscaping
Did you know that your lawn is covered under home insurance? You are entitled to compensation if a fire started and burnt all your grass or someone drove their car and tore grass. If you did not know, shrubs, trees, and other plants are covered under home insurance.
2. Spoiled food
Whether you’re keeping vegetables or canned food, home insurance covers for spoiled food in case power goes out for too long. Your insurance company should replace the food every time you file a claim for rotten food. However, if it was your fault that the food went bad, don’t bother filing a claim.
3. Terrorist attack
While home insurance covers burglaries and vandalism, very little is said about terrorism, and it still remains an isolated peril. For as long as the country is not at war, your insurance company should reimburse you for damages caused due to terrorist attacks.
4. Items stolen from your car or office
Did you know that your auto insurance does not cover the items that get stolen while there? Well, if you lose your laptop that was in your car, you will not report to your car insurance but your home insurance company.
We hope you have learned a few things about home insurance. If you have any questions, feel free to reach us at Guy Hurley McNeil in Rochester Hills, MI today!