Are These Really Covered under My Home Insurance Policy?

Are These Really Covered under My Home Insurance Policy?

Are These Really Covered under My Home Insurance Policy?

You may think that 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

  • Earthquake
  • Flood
  • Intentional acts
  • Criminal acts

Located in San DiegoCalifornia, we are licensed in California, Oregon, Texas and Washington with a second office in Seattle, WA. 

At Belltown Insurance Agency Inc., each one of our clients are given a dedicated team of experts that work together to proficiently address all your concerns.
We offer all types of Personal Insurance coverages to our clients in California including Auto InsuranceHomeowners InsuranceIndividual Life InsuranceIndividual Health Insurance, and Motorcycle Insurance.

Give one of our agents a call to save money on your Business Insurance. Some of our Commercial insurance coverages include Business Owners Policy (BOP)General LiabilityBondsGroup Health Insurance, and Commercial Property.

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