Many homeowners like to discuss all of the things a typical home insurance policy will not cover. This is generally referring to a flood, which almost always requires an additional policy for the house to be covered. However, Homeowners insurance in Harrisburg PA actually covers a lot of interesting things you may not have realized. It is important to remember that every policy is different, so always ask your agent, but here are some of the unusual items you might not have expected.
A Grave Marker
Many homeowner’s policies will cover the damage to tombstones which belong to immediate family members. These do not have to be on-site family graveyards either, just the markers which were purchased while the policy was in place. These are considered personal property, which is covered in most policies.
Reward for Information
If your home is vandalized or burglarized, you may be able to offer a reward for information. Insurance companies will often include this benefit, but the amounts will vary from one company to the next.
Items Stolen From Vehicle
If your car is broken into and personal items removed, you may attempt to claim the loss on your automobile policy. However, a vehicle is typically only going to be covered for items that are an original part of the vehicle. Your wallet, laptop or other personal items which may be taken will need to be claimed through your Homeowners insurance in Harrisburg PA.
Civil Lawsuit Protection
If someone in your home is being sued for libel, regardless of the type or circumstances, your homeowner’s policy may be the best protection you have. In many instances the same protection that is there in case your dog bites someone or a neighbor falls down your steps, will also help you to defend yourself in court or cover the cost of the judgment against you.
It is always a good idea to review your entire policy every year. If you have any questions about what specific items mean or if something in particular is covered, contact your agent. They professionals at Farnham Insurance Agency are happy to answer any questions anyone may have about homeowner’s, or any other type of insurance.
