You may think that San Diego 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