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Surprising Things Covered by Homeowners Insurance

Surprising Things Covered by Homeowners Insurance

homeowner insurance

I am guessing that you already have bought a new home or are planning to buy one soon. In either case, you should safeguard your new home with homeowners insurance and put your mind at ease. Why take chances with natural calamities like a storm or lightning? Even something like vandalism can destroy the home that you love so much.

Here are the Surprising Things Covered by Homeowners Insurance.

1. Dwelling Coverage

Dwelling coverage is one of the most important things covered by homeowners insurance. Dwelling means any part of your home that is attached to it but not inside it. Like a garage, lawn, backyard, deck, etc. In case of a natural calamity like a hurricane or a heavy rainfall, dwelling coverage will take care of all the expenses that may be needed to repair your home.

2. Personal Property Insurance

Personal property insurance provides cover for items inside your home. Any harm to items like furniture, electronic appliances, and jewelry due to a natural calamity, lightning, or theft will be covered by the personal property insurance. There are many more incidents that can happen in your home. Personal property insurance usually covers all of them.

3. Other Structures

This coverage is very similar to the dwelling coverage but there are some key differences that you need to consider. It covers any part of your home which is outside of it like a fence or a swimming pool. Other structures coverage can be used if your insurance policy’s dwelling coverage does not cover a wide range of things. Keep in mind that some insurance companies do not consider a swimming pool in “other structure coverage”. In that case, you will have to look into their dwelling coverage policy. 

4. Loss of Use Coverage

What would you do if you had to move out of your home due to damage caused by fire, lightning, or any other natural disaster? The answer is quite simple. You’ll either rent another property or stay at your relative’s or friends place. As we all know, nothing comes for free and there are many expenses involved in moving out, accommodation fees, parking fees, etc. Loss of use coverage will pay for all your expenses that are involved in a situation where your home becomes uninhabitable. 

5. Personal Liability Coverage

Personal liability is another important thing covered by homeowners insurance. What if someone gets injured while they are walking over your lawn or visiting and, as a result, decide to sue you. There are many such incidents that can happen on your property while you are at work or otherwise out of your home. Personal liability coverage will cover all the expenses occurred in such inevitable incidents. 


No matter where you live–in an urban or a rural area– you will need homeowners insurance. Without homeowners insurance, you are literally inviting trouble in your life. There are some areas of America in which floods and hurricanes are prevalent. Vandalism and theft are also quite common. The things covered by homeowners insurance protects your investment and saves you needless worry.

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