5 Uncommon Coverage of Home Insurance Policies

Home insurance is one of the most common and most popular types of insurances. Most American households get insurance policies from different companies since they are instrumental in so many ways. They have helped and continue to support millions of Americans who have trouble with unusual, unexpected expenses. We might all have heard about indemnity insurance, which is a kind of insurance policy where the insurance company promises reimbursement for losses or damages sustained by a policyholder, but in this article, we’ll dwell on the most uncommon scenarios that are also covered by your insurance.

Although there are still some who are not positive about the benefits of insurance policies, more people are getting converted every day. They are an inexpensive means of preparing for any unexpected happenings. However, did you know that the coverage of home insurances doesn’t just end on the basic ones we know like indemnity insurance and the comprehensive ones?

Here are five unusual inclusions in many home insurance policies that the majority doesn’t even know.

Crime Scene Cleanup

Crime scene cleanup includes different scenes such as burglary cleanup, biohazard material cleanup, unattended death cleanup, and suicide cleanups. Although no one wishes these things to happen sometimes, they do. The aftermath, especially for deaths is difficult to handle for the family members left behind. It usually gives a lot of stress and takes a toll on their lives. When death happens in the house, it is not just difficult for members to do the cleaning, it is also unsafe. Therefore, crime scene cleaners get called, they are trained professionals who know how to properly clean and disinfect affected areas to make it a livable place again. Hiring a team to do the cleaning is often covered by house insurance policies.

Vandalized Gravestones

Gravestones, even though they are not part of a house are still considered personal properties. And believe it or not, tombstones are often the victim of many vandals. They are not just through writings, but all sorts of blasphemies get done to the point of the headstone getting damaged or worst, ruined. It is for this reason that home insurances cover these and they pay for their replacement.

Animal Stampede

Human stampede is familiar but animal stampede is rare, but they do happen. Just imagine your prized flower garden getting destroyed by a bunch of wild animals that happen to drop by. The damage as simple as it can cost a lot of money. It is a good thing that these policies consider them. However, since it doesn’t happen often, most policy owners don’t even know about it.

Food Spoilage

5 Uncommon Coverage of Home Insurance Policies

You might be thinking this is impossible, but it is true. Although spoilage of food is not the primary concern of homeowners when natural disasters strike or when the electricity gets turned off due to a strong storm, food spoilage due to this reason gets paid by insurance agencies. It might not be a massive amount of money, but it is one less thing to worry about.

Defamation Concerns

When we say defamation, it means civil suits you can file against your neighbors. Gossips are considered standard, but there are times when they go to the extent of damaging your reputation, and legal actions are in place. Home insurances can cover your civil suit expenses for defamation against your neighbors.

Author Credits For Robert Viggiano

Robert Viggiano is the owner and co-founder of Sunnyside Title Agency. After earning a B.S. in Finance from Fordham University, Robert went on to become a licensed title agent in the state of New Jersey. He founded Sunnyside Title Agency with his wife, Angela, in 2018. Named after Robert’s hometown of Sunnyside, Queens, Robert prides himself on running an agency with a staff dedicated to exceptional and timely customer service, as well as those who share his optimistic and competitive mindset. A former basketball player, Robert has previously served as a volunteer coach for William Paterson University’s basketball team.