When considering home insurance, the first things that typically come to mind are coverage for theft, fire, and natural disasters. However, there are additional coverages that you may not be aware of—and it’s time to explore them.
At first glance, these coverages might appear unconventional or superfluous, but you will soon appreciate their value. We bet the fourth one will genuinely surprise you!
Imagine experiencing a catastrophic event at your home and requiring debris removal to begin restoration. Or consider meticulously storing months’ worth of provisions in your freezer, only for them to spoil because of an unexpected malfunction. As improbable as these scenarios may seem, there are coverages available that can make a significant difference when misfortune strikes.
When it comes to safeguarding our homes, it is often the unforeseen circumstances that catch us unprepared. This is precisely where these unusual coverages come into play—though they may seem nonessential, they can prove indispensable during critical moments.
In this article, we will explore the five most unusual yet highly valuable home insurance coverages.
#1 Debris Removal
If your home suffers extensive damage due to fire, earthquake, or any other disaster, the cost of restoring it can be prohibitive. Beyond addressing the damage itself, there is also the expense of removing debris from the premises.
Now, imagine having to endure the stress of a catastrophic event while also facing the logistical and financial burden of debris removal. In many situations, the cost of removing debris from a severely damaged structure can be substantial. Debris removal coverage plays a pivotal role by covering the costs associated with clearing the site, enabling the insured to proceed with restoration efforts without incurring additional financial strain.
#2 Death of the Insured
It may sound somber, but what happens if the homeowner—the policyholder—suddenly passes away? Certain home insurance policies offer coverage to address and continue insurance obligations in such an unfortunate event. This provision ensures that the property remains insured even after the owner’s death, providing the family with time to manage inheritance matters while concurrently settling any outstanding financial obligations.
#3 Alternative Accommodation
A major incident can render your home uninhabitable. What happens when you suddenly find yourself without a place to stay? Alternative accommodation coverage can be invaluable, as it covers the costs of staying in a hotel or renting temporary housing until your home is fully restored.
This means you do not need to worry about securing temporary shelter—your insurance policy will cover the cost of alternative accommodation, ensuring your comfort, safety, and peace of mind throughout the restoration process.
#4 Spoiled Food in Freezers
You might not consider it often, but if your freezer breaks down, all the food stored inside could be lost. With freezer content coverage, you don’t have to worry if your freezer unexpectedly malfunctions. Whether due to an electrical failure or an unplanned power outage, should you lose the contents of your freezer, the insurance policy will reimburse you, ensuring that your investment in stored provisions is not wasted.
#5 Short-Circuit Damage to Household Appliances
Household appliances play an essential role in our daily routines, but they are equally vulnerable to electrical issues like short circuits. Short-circuit damage coverage protects your valuable electrical appliances from these problems. If your refrigerator, television, or washing machine sustains damage from a short circuit, this coverage will take care of the repair or replacement costs, saving you from the financial burden of the loss.
Now imagine dealing with these situations without the support of your insurance company. What would you do?
These unusual coverages make your home insurance comprehensive, protecting against any scenario that could disturb your peace of mind or threaten your physical well-being.
At SoEasy Insurance, we make things simple—even during your most challenging times. Trust in one of our reliable partners, choose the insurance package that fits your needs, and rest assured that we will be by your side through the good times and the tough ones!