When considering home insurance, people often focus on coverage for damage caused by fire, storms, or theft. However, your policy likely includes a range of protections you may not be aware of. At Winder Insurance Agency in Portland, OR, we’re committed to helping homeowners understand the full value of their coverage. Let’s explore a few unexpected things your home insurance policy might cover.
Personal Belongings Away from Home
Did you know your home insurance might protect your belongings even when they’re not inside your house? If your laptop is stolen from your car or your luggage is damaged during a trip, your policy could help cover the loss. This extended coverage can be invaluable when unexpected situations arise.
Liability for Accidents
Home insurance doesn’t just protect your property; it also protects you. If someone is injured on your property, your policy can help cover medical expenses or legal fees if they decide to sue. Interestingly, some policies even extend liability coverage to incidents that occur away from your home, like if your dog accidentally bites someone at the park.
Additional Living Expenses
If your home becomes uninhabitable due to a covered event, your policy may help cover temporary living expenses. These could include hotel stays, meals, and other costs while your home is being repaired. This benefit might not be considered until you need it.
Know Your Coverage
Understanding what your home insurance covers can save you stress and money. At Winder Insurance Agency in Portland, OR, we’re here to answer your questions and ensure you’re fully protected. Contact us today to learn more about your unique coverage options!
