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Surprising Coverage: 5 Intriguing Things Included in Homeowners Insurance


When it comes to homeowners insurance, most people think about coverage for common events like fires, theft, or storm damage. However, homeowners insurance can be surprisingly versatile, covering a range of unexpected scenarios you might not be aware of. In this blog post, we'll explore five intriguing things that are covered by homeowners insurance policies.


  • Pet-Related IncidentsDid you know that homeowners insurance can cover certain pet-related incidents? If your furry friend were to bite someone on your property or damage someone else's property, your policy might provide liability coverage. This can be particularly valuable if you have dogs, as pet-related claims can quickly become costly.


  • Stolen Identity ExpensesIdentity theft is a growing concern in the digital age, and homeowners insurance policies can come to the rescue. Many policies offer coverage for expenses related to identity theft, such as legal fees, credit monitoring, and even lost wages due to time taken off work to resolve the issue. It's a reassuring aspect of coverage that goes beyond the physical realm.

Identity theft

  • Spoiled Food Due to Power OutagesWhen a power outage strikes, it can lead to spoiled food in your refrigerator and freezer. Some homeowners insurance policies include coverage for this unexpected loss, reimbursing you for the cost of replacing spoiled food items. It's a small but handy benefit for those who've experienced extended power outages.


  • Grave Markers and TombstonesIn a less common but still intriguing twist, some policies may cover the cost of repairing or replacing grave markers and tombstones damaged by certain events, like vandalism. This provision can provide peace of mind for those with loved ones resting in cemeteries.

Grave Markers and Tombstones

  • Lawsuit Defense CostsHomeowners insurance policies often include liability coverage that extends beyond your immediate property. If someone were to sue you for an incident that occurred outside your home, like a dog bite at the park or an accident while riding a bike, your insurance may help cover legal defense costs.


While homeowners insurance is typically associated with protecting against the usual suspects like fire, theft, and natural disasters, it's essential to recognize the surprisingly versatile coverage it can provide. From pet-related incidents to stolen identity expenses, and even coverage for unexpected losses like spoiled food during power outages, homeowners insurance can offer a broader safety net than you might have imagined.


Remember, the specifics of what's covered can vary from one policy to another, so it's crucial to review your policy carefully and discuss any questions or concerns with your insurance provider. Understanding the full extent of your coverage can help you make informed decisions and ensure you're getting the most out of your homeowners insurance policy.


At the Voss Law Firm we strive to help you get back to normal as fast as possible after an insurance denial or “low ball” offer. If you feel you have been unfairly treated by your insurance company, please input your information for a Free Claim Review, call (866) 276-6179 or chat with us today.


Bill Voss
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Aggressive Texas policyholder attorney that fights hard for his clients and won't stop until he wins
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The Voss Law Firm, P.C. represents clients on a local, national and international basis. We proudly serve companies and individuals along the Gulf Coast and around the globe on a contingency fee basis. Our law firm collects nothing unless we recover on our client's behalf.

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