Insurance companies are often getting a bad rap for not covering what you may need to be covered. One of the best ways to avoid this is to work with an experienced homeowners insurance agent in Springfield, Ohio to ensure your coverage needs are met. Sometimes, however, you may find yourself pleasantly surprised by everything your insurance policy actually does cover. 

We have seen this delight in homeowners’ eyes when they realize these 5 surprising claims may actually be covered by their homeowners Insurance. 

1. Slander

Sometimes our words can get us in trouble. Have you ever said anything out of turn, due to anger, or spread misinformation? In today’s day and age people are much more astute to slander and unfortunately, the offended party can sue you for defamation (slander or libel). If this is a predicament you find yourself in, you may be surprised to find out that your homeowner’s insurance policy may cover the legal fees associated with your defense up to a certain amount.

2. Dog Bites

Dogs are affectionately referred to as “man’s best friend” but sometimes they act in not-so-friendly ways. If your dog bites the postal worker, your neighbor, or anyone else, your policy will help pay the victim’s medical bills up to a certain amount. 

However, be sure your dog’s breed is covered, as many policies often exclude specific types, such as Rottweilers and Pit bulls.

3. Food and Lodging Costs

When your home is damaged to the point where you can no longer live in it, this could be due to fire, severe storms, or other disasters, you likely will need to find alternative lodging while repairs are made. 

Your homeowner’s insurance will likely cover food and lodging, such as hotel and restaurant bills while you are displaced. Check with your insurance agent before booking a luxury hotel or ordering at a 5-star restaurant as this coverage likely only goes up to a certain amount.

4. Fire Department Bills

When you experience a house fire, many people are surprised when they receive a bill from the fire department aftward. Homeowners insurance may help you cover the bill, depending on the cause of the fire. 

5. Identity Theft

In this day and age, we have to be incredibly careful with how we are sharing our personal information. Many people find their personal information compromised which can then result in identity theft. 

Your homeowner’s policy can help with the financial burden of legal fees, with reimbursements usually up to $30,000. 

Homeowners Insurance in Springfield, Ohio

Confused about what your homeowner’s insurance does or does not cover? No worries. Our team of experienced insurance agents is always willing to walk you through the details of your policies and ensure you have the coverage you need.