What home owners Insurance does not share!

1. Vandalism and Graffiti Damage

Most homeowners' insurance policies cover damage caused by vandalism, including graffiti, broken windows, and other property damage. If your home is targeted by vandals, your policy can help cover the cost of repairs.

2. Temporary Living Expenses

If your home becomes uninhabitable due to a covered event like fire or severe water damage, your homeowner's insurance may cover the cost of temporary living arrangements, such as staying in a hotel or rental property, until your home is repaired.

3. Damages from Falling Objects

If something like a tree or satellite dish falls onto your property or home and causes damage, your insurance may cover the cost of repair or replacement. This is often overlooked, but falling objects can lead to significant damage.

4. Water Damage from Accidental Sources

While flood damage isn’t typically covered by standard insurance, water damage caused by accidental sources (like burst pipes or an overflowing bathtub) is often covered under a home insurance policy. However, it's essential to act quickly to prevent further damage.

5. Theft of Personal Property Away from Home

Did you know that your homeowner’s insurance may cover your personal property, like electronics or luggage, even if it’s stolen outside of your home? If your items are taken from a car, hotel, or public space, your policy might still offer coverage.