When you begin looking into
homeowner’s insurance plans, it’s important to choose a plan that provides the appropriate
amount of coverage for your needs. Most homeowner’s insurance policies
cover fires, burglaries, vandalism, and damage due to a natural disaster.
Here is a look at some of the other less common situations that your homeowner’s
insurance policy should cover.
If you own a dog, you should find out whether your homeowner’s insurance
policy covers dog bites. Over half of the incidences of injuries via dog
bites occurred on the dog owners’ properties. A common
homeowner’s insurance myth is that fires and burglaries are the most common claims filed against
homeowner’s insurance. In fact, dog bites are the most common liability
claim filed against a homeowner’s insurance policy. Your insurance
should cover the medical bills that result from a dog, cat, snake, or
other domestic animal bit that occurs on your property.
Your homeowner’s insurance policy might cover mold remediation costs,
depending upon the cause of the mold. If mold growth results from a burst
pipe, your policy should cover remediation. If mold growth occurs due
to neglect, your mold remediation costs won’t be covered. Mold that’s
caused by flooding or a natural disaster will need to be covered by flood
insurance. Check your policy to determine whether mold is covered, and
what the cap is on damages.
Accidents Outside of Your Home
Most homeowner’s insurance policies cover accidents both on and off
of your property. If you injure someone at the grocery store or on the
golf course, your insurance coverage should take care of their medical
bills. If you injure someone with your car, your auto insurance should
cover it. You can also purchase umbrella insurance to further protect
yourself from liability.
If you’re interested in homeowner’s or
renter’s insurance near Mountain View, CA, come see us at Damberger’s Insurance Agency. We have been providing
affordable, comprehensive insurance policies to the community for 51 years.
To learn more about our homeowner’s insurance policies, call us
today at (650) 969-8445.