When you purchase a home owner’s insurance policy, you expect to have coverage inside and out. But if you really read your policy, you may be surprised to find some additional coverage you hadn’t thought of. Call your NEC insurance professional for help reviewing your policy to determine if these six areas of coverage are included in your policy.
Dorm Burglary: If your college-age children are robbed, their losses may be covered under your homeowner’s policy. This coverage is typically a percentage of your property coverage, and may have age limitations for the student.
Spoiled Food: If loss of power due to a covered event, causes food spoilage in your frig or freezer, contact your NEC agent. Your policy may cover the cost of replacing your groceries. $500 is the typical limit on this loss.
Falling Objects: You expect to be covered if a tree falls on your house. But what about other strange things like blocks of ice or airplane tires? Falling objects are a covered peril regardless of where they come from or what they are.
Credit Card Theft: Your credit card is considered a personal belonging and is covered by most policies. As such, some insurers provide up to $500 in coverage if your credit cards are used without your authorization.
Gravestones: If you are the primary caretaker of a headstone, and it is damaged or vandalized on your property or in a cemetery, your policy may consider it personal property and provide coverage to replace it.
Trauma Clean-up: If someone in your home becomes a victim of a traumatic or unattended death, you may have this type of home restoration coverage in your policy. Check first before you experience any additional emotional upheaval.
Though you don’t want to file a claim unnecessarily, you also don’t want to pay out-of-pocket for something you’re already paying for. Your NEC insurance professional is here to help you during those tough time so don’t hesitate to call if you have questions or concerns.
NEC is one of the largest independent insurance brokers in Missouri offering business and personal insurance, risk prevention, and financial services. Our size allows us to provide you with the best price for the depth of services you receive. Contact us today for more information at 636.271.2481 or visit NECins.com.