You may think that Denver home insurance is only good in natural disasters. When a fire, hurricane, or flood damages your home, your insurance should cover the damage. However, there are many times you can use your home insurance coverage regardless if there is a natural disaster or not. We wanted to provide a few unusual claims circumstances that are covered under your homeowner’s insurance.
An item falling from the sky — Damage that comes from “falling objects”, which includes stuff that comes from the sky, is usually covered.
Illness as a result of food — If you have a dinner party and your guests get sick, your homeowner’s insurance can provide coverage.
Kids at college — If you have children attending college, their personal property is covered, usually up to a specific amount.
Dog bites — Dog bites are generally covered, so your homeowner’s policy will most likely protect you if your family pet bites someone. However, many insurance carriers maintain lists of “high-risk” breeds that are not covered under a standard policy.
Losses Not Covered under a standard Homeowner’s or Renter’s Policy
- Intentional acts
- Criminal acts
Keep in mind that if you have personal property that is especially valuable – furs, jewelry, watches, artwork, silverware, antiques, guns, etc. – you will probably need extra coverage to be properly insured.
DCInsurers – Mountain is committed to helping our clients protect their family’s well-being. Our personalized service helps our clients save time, money, and gives you peace of mind.