Discover Which Are Some of the Strangest Accidents Covered by Home Insurance Policy

It's common to think that home insurance only covers losses by natural causes that affect the house's structure, which is true, but there's more to it! Advanced Title Company in Grand Junction delves into several types of insurance!

Having title insurance is the most responsible step you can take as a homeowner. The experts at Advanced Title Company in Grand Junction will be happy to help you during this daunting time. Call (970) 255-7677 and find out more about the different types of insurance.

Responsible homeowners never overlook the importance of having home insurance. That being said, it's fair to mention there are several coverages you could benefit from that maybe you don't know about just yet. A home insurance policy has additional coverages that protect the property against other disasters. This guarantee could even extent to plants, pets, or wild animals, to the food in the fridge. Although, it's worth mentioning that each insurance company has exclusive benefits to their policyholders. While one insurer may provide coverage for pets, another probably wouldn't.

Plants, Gardens, and Trees That Have Caught Fire

Perhaps in a disaster such as a house fire, the least you think about is the plants or trees in the yard or garden. However, more and more people see green yards as a vital element of their emotional well-being. And the care maintenance of the plants requires money, time, and dedication. Thus, some insurance companies cover the damages suffered by trees, gardens, and plants, as long as these damages result from the risks covered by a fire or natural causes. The maximum amount of liability will be according to what's specified in the policy contract.

Freezer Breakdown

The refrigerator is filled with food for the month or week and, immediately afterward, a breakdown in the voltage could ruin the appliance, rotting the food that has just been bought. It's an unlikely situation, but it can happen, and having spent so much money on food, throwing it away can be frustrating. Some coverages protect food placed inside the refrigerator due to decomposition. This could be the result of a breakdown or malfunction of this equipment. This could also extend to failures in the electrical power supply. This isn't attributable to the insured. But keep in mind it'll depend on the company with which the policy is contracted.

If you're looking for types of insurance, don't hesitate to call Advanced Title Company in Grand Junction at (970) 255-7677and let their experts find the right kind of insurance for your property. Visit their website and read their blog to learn more about the benefits of title insurance.

Pet Coverage

Pets have become important for their owners, and the majority pay attention to their health and well-being. So, it's good to know that some home policies have coverage to protect the furry members of the household. Pet coverage covers dogs and cats owned by the insured, their spouse, or their economic dependents, while said pets live in the insured's home. Their expenses are primarily covered for the following scenarios:

• Death of the pet as a result of an accident.
• Covered expenses for mercy-killing and, or, the disposal of the pet's body. This also extends to the services provided by a veterinarian to certify the circumstances of the death.
• Covered expenses in case of an accident include expenses for care, veterinary medical fees, stay in clinics, surgeries, examinations, and transfers to a more complex clinic.

Damage Caused by a Wild Animal

Some insurers cover the damage caused by a wild animal to the structure of the home. For example, if you live in an area where bears or deers break into the home, the company repairs the damage. But sometimes, it doesn't include the furniture or belongings inside the property.

Waste and Debris Falling from the Sky

It can be bizarre, but some of the weirdest objects could fall from the sky, hitting and damaging the house's structure. Turns out, airplane toilets can leak, and sometimes the cold at altitudes causes waste to freeze. This frozen debris can hit the house and even blow a hole in the roof. In these cases, insurers could help with repair costs, although it depends on the type of policy that is contracted.

If you find the paperwork surrounding real estate and insurance intimidating, let the pros at Advanced Title Company in Grand Junction take the wheel and guide you through this process! Call (970) 255-7677, make an appointment and have all your doubts about different types of insurance answered by an industry professional. You could also reach out by fax: (970) 808-2332, or by e-mail at [email protected]