Sometimes it’s easy to forget what is and what isn’t covered in your home insurance policy. This is why it’s
Here are some things that you might not have realized are included in your home insurance.
The personal belongings of a parent living in a long-term care facility
Do you have a parent or relative living in a retirement home? Did you know that their stuff is covered under your policy (up to a certain limit). However, for coverage to apply they must be under your legal guardianship.
The personal belongings of a student away at school
Is your child moving away for university or college? You’ll be happy to know that under your home policy, their belongings are protected. But, if they’re renting in a student house or condo, they may want to get tenant insurance.
You may be covered for loss or damage of food if your refrigerator or freezer breaks down or the power goes out. However, you won’t be covered for items that were already expired…
Your liability coverage includes when you work as a volunteer. If you accidentally break something or injure another volunteer while at a local food bank, you’re covered against lawsuits.
If your kid (who is 12 years old or younger) accidentally breaks your neighbour’s window while playing basketball, your home insurance will cover the cost of the damage up to a limit.
The same goes for a dog bite. If your dog or cat causes harm to someone, your liability covers you if you’re sued for injury or damages.
In the seldom case that your identity is stolen, your home insurance policy should have you covered. And if you notify and get approved by your insurer, you could get reimbursed for any legal fees. You also might be eligible to be paid any lost wages during the time it takes to sort the issue out. If you’re insured with Sonnet, identity theft expenses coverage is included in all home policies, but be sure to check in with your insurer!
In the event of a claim, your insurer could cover the increased costs to replace an insured property with environmentally friendly or energy-efficient products. At Sonnet, we acknowledge going-green efforts – we can cover the additional costs up to the limits on your policy.