Unique Things Your Homeowners Insurance May Cover

If you're a homeowner, you have insurance in place to protect your home's structure and contents in the event of a fire, flood, and other disasters. But what many homeowners may not know is that your insurance policy could cover a lot more than you might think. Here are a few unusual, unique, and interesting things that your policy should cover that you may not be aware of unless you really read the fine print.

Spoiled Food

If you have a freezer full of delicious steaks, you might be surprised to know that your insurance policy actually covers the cost of spoiled food if it's a result of a long-term power outage from a disaster. If your power happens to go out for a long period of time and your food goes bad, it probably won't count. But if you end up without power thanks to a hurricane or other serious event that has taken down a power line or caused a long-term outage and you file a claim for other damages, the food that went bad can also be reimbursed as part of that claim.

Animal Stampedes

While this particular clause won't apply to most people, it's still found in many homeowners insurance policies, usually based on where you live. It is typically offered as an add-on for homeowners in rural or more remote areas since the possibility of wandering animals is much greater there. Let's say a nearby farmer's herd of cattle gets loose and happens to run right towards your house, damaging everything in their path. Believe it or not, these types of damages could be included in your policy. Keep in mind that if the animals belonged to a neighbor, their insurance company should cover the bill. But if the animals are wild and just happen to choose your house to wreck, it might be included in your coverage.

College Student Coverage

If you're the parent of a college student who lives on campus, their belongings should be covered by your current homeowners insurance plan, like those from Insure With U.S. It's important to note that the student must live in a dormitory in order to be included and that they cannot rent a separate apartment, which would require them to get their own renter's insurance. For those college students living on campus, however, the plan should protect their goods like laptops and electronics if they happen to be stolen.

Gravestones And Markers

If you have someone in your family who is deceased, their headstone or any other type of grave marker should be covered with an expanded policy addition. These types of things are considered to be your personal family possessions, and they can be protected against things like damage from a cemetery worker's equipment or even vandalism by a graffiti artist. While there's usually a limit to the amount the insurance company will cover, it's certainly something to consider adding onto your policy in order to keep your loved one's memory protected.