Did you know your homeowner’s insurance may cover much more than the obvious things like theft, vandalism, and fire damage? To clarify what your home insurance policy covers, speak to your agent at Stonewall Grace Insurance, serving Buena Vista, VA. But in general, your policy may cover the following surprising incidents.

1. Damage to Outbuildings and Structures

These days, many homeowners have outdoor living areas, garden sheds, and detached hobby sheds. If these structures are located on your property, your home insurance policy may cover them. Look for a clause entitled, “Other Structures” or something similar, for details.

2. Temporary Housing Expenses

Sometimes, a home is damaged to an extent where temporary housing is needed during repairs. Many standard home insurance policies have a section called “Loss of Use,” where hotel expenses may be covered.

3. Pet-caused Injuries

Pets can’t always be controlled. If an incident occurs where your pet causes injury to another person on your property, you may be covered for that person’s medical expenses under your homeowner’s insurance. Again, talk to your insurance agent for confirmation and details.

4. Falling Objects

If your home is the victim of a weird phenomenon like a falling meteorite, burning remnants from an overzealous firecracker display, an out-of-control drone or airplane, or anything else falling out of the sky, the damage may be covered.

It’s important to understand precisely what your home insurance policy covers to get extra coverage if necessary. Consult with your insurance agent to learn more about your individual coverage needs.

Contact Stonewall Grace Insurance, serving Buena Vista, VA for home insurance coverage in Buena Vista and surrounding areas. We look forward to serving your issuance needs.