5 Surprising Things Covered by Homeowners Insurance (and 3 Things That Aren’t)

Homeowners insurance often feels like a safety net for the unexpected, but its scope is broader (and sometimes narrower) than you might think. Sure, you know it usually covers fires and certain natural disasters, but did you know it might protect you if your neighbor’s tree falls on your house—or if your dog gets a little too enthusiastic? Here’s a look at five surprising things your policy might cover and three common surprises it doesn’t.

5 Surprising Things That Are Covered

1. Spoiled Food After a Power Outage
   Did your fridge full of gourmet groceries go bad during a blackout? Many policies cover food spoilage caused by power outages—sometimes up to $500 or more.
2. Damage Caused by Burglars
   If a thief breaks your window or damages your door during a break-in, repairs are typically covered under your homeowners insurance—even if they don’t make off with anything valuable.
3. Accidents Caused by Your Pets
   If your overly friendly dog knocks over a guest and they break their arm, liability coverage in your homeowners policy can help with their medical bills and legal expenses if they sue.
4. Your Kid’s Dorm Room Belongings
   If your child lives in a college dorm, their belongings may be protected under your policy, so their stolen laptop or damaged gaming console could be covered. Just double-check with your insurer for limits.‍
5. Falling Objects from Outer Space
   Yes, if a rogue satellite or meteor crashes into your home, your policy likely has you covered under the "falling objects" provision. It’s rare, but good to know you’re protected from space junk!

3 Things That Usually Aren’t Covered

1. Flood Damage
   Standard homeowners policies do not cover flood damage. If you live in a flood-prone area, you’ll need to purchase a separate flood insurance policy to protect your home.
2. Routine Maintenance Issues
   Leaky faucets, clogged gutters, or roof damage caused by neglect are considered the homeowner’s responsibility. Insurance kicks in for sudden, unexpected damages—not slow, avoidable wear and tear.‍
3. High-Value Items Beyond Limits
   Your grandmother’s diamond necklace or your prized art collection might not be fully covered under a standard policy. For high-value items, you may need to purchase additional riders or endorsements.

Final Thought: What if my Covered Claim is Denied?

While homeowners insurance is designed to provide financial protection, insurance companies don’t always do the right thing. Some insurers unfairly delay, underpay, or deny valid claims, leaving homeowners struggling to recover after a disaster. Whether it’s an unfairly low settlement offer or a wrongful claim denial, policyholders are often forced to fight for the coverage they rightfully paid for.

If your insurance company is giving you the runaround, Averill & Reaney can help. Our experienced attorneys specialize in insurance disputes, ensuring homeowners get the compensation they deserve. Don’t let your insurer shortchange you—call Averill & Reaney today for a free consultation and let us fight for you.