The Complicated World of Insurance Made SimpleThe Complicated World of Insurance Made Simple

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The Complicated World of Insurance Made Simple

When I bought my first home, I had a real estate agent lead me through the entire home-buying process. This made it simple and easy for me. However, when it came time to choose a homeowners insurance policy, I became very confused about what made up a good policy. I started by doing a lot of online research into what homeowners insurance features were needed in my area and then finally called an agent who led me step-by-step through choosing the policy that was best for me and my home. I learned a lot during my research and time spent talking to my agent. I have also learned a lot about other types of insurance over the years, so I thought I would start a helpful blog all about insurance. I enjoy helping others, so come back often for new tips!


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Unusual Risks That Your Home Insurance Probably Covers

Most homeowners understand that home insurance covers home damage and third-party personal injury claims. However, many people do not appreciate how much protection home insurance offers. Below are some unusual risks your home insurance might protect you from.

Falling Objects

Your home insurance company will compensate you for damage that falling objects might cause to your home. For example, you may receive compensation for damage caused by:

  • Falling trees
  • Falling meteorites
  • Falling drones
  • Falling airplane debris

The compensation comes from the property damage coverage integrated into your homeowner's insurance. That means you pay the relevant deductible.


Many insurance companies consider your grave markers, headstones, mausoleums, and other funerary items as part of your property. Thus, you should list such items when seeking quotes and purchasing home insurance. That way, the insurance company will compensate you if something damages the funerary items.

For example, some headstones cost thousands of dollars. If a graveyard robber makes away with some of your family's headstones, your home insurance policy will compensate for the loss up to the policy limit.

Wild Animals

Your home insurance policy can also compensate you for damage that wild animals cause to your house. This coverage is especially critical to homes near forested areas that harbor animals and have a high risk of animal damage. Note, however, that coverage for animal-related damage typically applies to large animals but not small animals.

The rationale is that you should be able to prevent damage by small animals that fall under pests. Pest damage is a maintenance issue, and insurance doesn't cover damage a lack of maintenance might cause. For example, your insurance carrier might compensate you for bear-related damage but not mole-related damage.

Food Spoilage

Your home insurance covers all contents in your house, including food. Thus, your home insurance policy may compensate you for financial losses related to food spoilage. The caveat is that a covered event must have caused the spoilage.

Consider a case where a freak storm, such as a powerful tornado, causes a prolonged power outage in your neighborhood. The outage might cause your frozen and refrigerated food to spoil. Your carrier should compensate you for the spoiled food since home insurance covers storm damage.

Clearly, insurance can help you in so many ways — some of which you probably don't know about. Contact an insurance company to help you explore your risk exposures and available insurance coverage. Remember to evaluate your insurance periodically and update your coverage as necessary.