What Does Homeowners Insurance Cover?

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What Homeowners Insurance Covers

Homeowners invest in insurance because they know to expect the unexpected. Unfortunately, though, insurance policies aren’t exactly full of page-turning material. Written in legalese that might bore even lawyers themselves, insurance policies are legal documents meant to inform, not entertain. Because they’re not the most exciting reads, insurance policies often go unread. Unless you’ve read through the fine print of your policy, you’re likely overlooking some surprising coverage options. Keep reading if you’ve ever asked yourself the question “what does my homeowners insurance cover?” Here’s our list of just a few of the things you might not realize are covered by homeowners insurance:


What Does My Homeowners Insurance Cover?


Most people purchase homeowners insurance to protect their possessions in case of an emergency. Few realize that their homeowners insurance policy also extends to their watercraft stored on their property. If you have a boat, trailer, motor or other watercraft equipment in your garage, your homeowners policy will cover damage done to them while on the premises. Should a fire start in your kitchen and spread to the vessel in the garage, you’ll be covered for up to $1,500 in damages to the boat. The same goes for theft, vandalism and a whole host of other disasters that could strike in your home. Not sure $1,500 will be enough to cover the potential damage? Wawanesa offers optional extended coverage of up to $5,000.

It’s important to note that while damage to your watercraft at home may be covered by your insurance policy, once you take your boat out on the water, you’ll need special boating insurance coverage. Accidents that occur on the lake or open seas will need to be handled under a boating insurance policy, not your homeowners insurance policy.


Spoiled Food 

This is a surprising perk that few policyholders know about: if your power goes out for extended periods, you may be covered for the food that goes bad in your refrigerator. Home systems protection provides coverage for any sudden accidental breakdown of your home’s infrastructure systems and personal property impacted by the malfunction. This usually applies to situations caused by an act of nature, like lightning striking a transformer. Simply compile a list of the foods that spoiled because of the power outage and details on how much it will cost to replace what was lost. This can be especially useful for policyholders living through natural disasters like hurricanes.


Dog Bites

Dogs might be man’s best friend, but they’re still animals. Dogs can lash out unexpectedly, injuring those around them. Even if your beloved pooch wouldn’t hurt a fly, you can rest easy knowing that any potential damage done by your dog at home could be covered by homeowners insurance. While this coverage won’t compensate you for the couch Fido gnawed on while you were out, it does come in handy when your dog bites a guest. Depending on the circumstances, the cost of the victim’s medical bills could be covered by your policy. This happens more frequently than you might expect; the AARP reports that dog bites account for about one-third of all homeowners insurance liability claims.


Interior Design

Fires can devastate a family and their home. Thankfully, homeowners policies can help you rebuild after an unexpected tragedy. While your mind might immediately go to the furniture and appliances lost in a fire, you may also be able to recover the cost associated with decorating your home. The furnishings adorning your house might be priceless in your eyes, but their monetary value can be factored into your claim. Should you possess high-value items like jewelry and antiques, you may want to opt to increase the limits on your coverage.


Riots and Vandalism Damage

Few people ever expect their lives to be touched by riots, but when they occur, the damage can be extensive. Vandalism can interrupt an otherwise peaceful setting. When vandalism or riots occur, homeowners who invest in comprehensive coverage are glad to have done so. While we may associate the term vandalism with graffiti, it can come in countless forms, including broken windows, damaged landscaping and glued locks. It can be hard to anticipate exactly what damage could be done by vandals, which is all the more reason to invest in homeowners insurance to protect your home from untold hazards.


Start Your Free Homeowners Insurance Quote

It’s true what they say: there really is no place like home. With that in mind, do your homework and understand what is and isn’t included in your policy. If you have questions or are eager to get a free quote to see what your homeowners policy might cover, call 1-877-WAWANESA (929-2637) today.






The above content is for informational purposes only and is not a direct representation of coverages offered by Wawanesa or its policies. The information does not refer to any specific contract of insurance and does not modify any definitions, provisions, exclusions or limitations expressly stated in any contracts of insurance. All references within the above content are illustrative and may not apply to your situation. The terms and conditions of the actual insurance policy or policies involved in a claim are determinative as to whether an accident or other loss is covered. To understand the coverage under your current policy, please log into the account management platform to review your policy or contact an agent directly.

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