Are Fixable With A Quality Homeowners Insurance Policy

Accidents happen. They happen to cars, planes, and yes, even houses. That is why a quality homeowners insurance policy is important for when an accident does happen that you won’t have to pay an exorbitant amount of out-of-pocket money. To shop for a new policy and compare 5 offers, use our online form. Most standard homeowners insurance policies include coverage for accidental damage. But how do insurance companies define accidental damage?

• Accidental damage is damage that happens suddenly as a result of a non-deliberate and unexpected action

Those homeowners with children can attest more than anyone that they are a leading cause of household accidents. You will need to check your policy for which specific damages are covered and which are not. For example, your carpeting might be covered if it is stained but if apple juice is spilled on your laptop then you may be out of luck.

Also, animal-related incidents are a grey area depending on what your homeowners insurance policy states. If you have a pet then anything it damages should be covered IF it is specifically listed in your policy. Insects and outdoor vermin are a whole different story, however. You will need to consult your home insurance agent.

If you are trying to be a handyman around the house and accidentally cause damage to it then you may or may not be covered depending on your policy. There is a specific rider you can add to your homeowners insurance policy that covers any home improvements, additions, or extra construction you plan on undertaking.

Homeowners Insurance Is There For You

Just remember that each individual homeowners insurance policy and each individual homeowner is different. You will need to talk with your home insurance agent as well as study the specifics (including the fine print) of your homeowners insurance policy so you can be confident that you will be covered should you need to file a claim on account of an accident. To save hundreds a year on a new policy, use our quick online form.