Homeowner’s policy can protect your home during unexpected events.These biggest surprises covered by homeowner’s insurance policy are really mindblowing.
In United States, it is actually a bundle of different categories of coverage that apply in various situations.
Home insurance usually covers most of the scenarios that could cause loss to the house of policy holder. But, some events such as earthquakes, floods, or “acts of God” & acts of war are typically excluded from policies.
However, you can add an extra policy for getting coverage against earthquakes, floods, etc.
But, there are some unexpected things; you might be unaware that your home insurance policy covers. Here are 11 biggest surprises that are covered by homeowner’s policy:
(1) Medical Bills Of Your Guests Injured In Your Home
It is one of the most wonderful surprises covered by homeowner’s insurance policy. Some individuals have an extremely good nature with spacious & hygienic home at easy to reach location.
In such a scenario, your home will become best place to live even for your guests. Most of the home insurance policies include liability coverage for injuries incurred by someone not living with you.
Some of the incidents that could trigger liability coverage include slipping on a patch of ice, falling due to broken stairs on your porch, falling on kitchen linoleum, and many more.
This bodily injury liability coverage of your homeowner’s policy can surprisingly help you to pay medical bills of your guests. It will perhaps save you from paying an attorney to defend you in a lawsuit.
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