Most home insurance policies cover standard things like fires, break-ins, and falling trees. But there are some unexpected coverage options that you might want to consider as well — most of which depend on where you live and how you live your life.
1. Volcanoes and earthquakes
Unless and you live in Hawaii, you probably don’t have to worry about volcanoes but remember that earthquake coverage is not covered under most traditional home insurance policies.
2. Identity theft
With increases in cybercrime around the globe, identity theft is becoming more common than ever, and it’s a good idea to make sure that you are covered. Identity theft can lead to loss of wages, a faulty credit report, huge loss of finances, a criminal record that is not actually yours, and huge legal fees and time spent dealing with the problem.
3. Dog Bites
If you have a dog, be cognizant that — depending on their size and breed — they may be able to do serious damage to someone in the event of an attack or scuffle. If this is the case, medical bills may go into the thousands, and you will want to make sure that you have coverage to take care of this.
4. Other coverage options
- Home upgrades required by law
- Spoiled food
- Your kid’s things while they are at college
- Flooding, in certain situations
- Gazebos, patios, and sheds
Contact Alliance Insurance Partners
Scottsdale, AZ residents who are interested in purchasing a new home insurance plan or modifying an existing policy are in luck! Alliance Insurance Partners serve the residents of Scottsdale, AZ, and 28 other states, and we would love to sit down with you and take a look at your options. To learn more about the home insurance plans that we have, and to find a plan that fits your unique needs, give us a call or stop by our nearest location.