Most homeowners fully understand the value of homeowner’s insurance in the event of a disaster, such as a fire, tornado, or hail. However, certain things can take place in your Warwick, RI home that could be covered by your homeowner’s insurance policy and you may not even know that they are covered. Take a look at three little-known issues often covered by The Slocum Agency, Inc. homeowner’s insurance policies.
Damage to Your Neighbor’s Property
A limb falls from a tree in your yard and damages the neighboring home’s window. Before you get out your wallet to pay for repairs, make sure you file a claim with your homeowner’s insurance. Most homeowner’s insurance policies do cover damages to neighboring properties if the damage was your fault or caused by something on your property.
Injuries Someone Sustains While On Your Property
Say you are having a backyard get-together and a relative trip on the patio and falls down the stairs. Legally, you can be held responsible for their injuries, and most homeowner’s insurance covers a certain level of property liability if you have elected that as an option when building your policy.
Damages to Appliances During a Storm
If lightning hits your home and sends a power surge through the outlets, it can damage everything from your expensive television to your smart refrigerator. Most homeowners assume there is nothing they can do but go out and replace the damaged items or pay for repairs, but it’s possible that homeowner’s insurance will pick up the tab.
Overall, the homeowner’s insurance policy you have in Warwick, RI could cover more than you know. Reach out to The Slocum Agency, Inc. for more information about obtaining the proper coverage for your home.