3 Uncommon Mishaps That Are By Insurance

If something bad happens to you, it’s a good idea to check the terms and conditions of your insurance policy as you might just be covered.

As a rule, if your insurance premiums are high, you’re likely to be covered for a number of things even if they are unusual but common problems for a number of other people too.

That said, here are 3 uncommon mishaps for which you can get insurance coverage:

#1: Yard Damage

While it’s common knowledge that you will be compensated for a tree falling on your home, this will also be possible if it falls on your guest cottage and the fence too. For this, you will have to look in your policy for ‘Other Structures’.

In fact, about 10% of your living coverage will be reimbursed for this reason if you are offered compensation for this in your contract.

#2: Car Seats

Just in case you were in an accident but did not suffer any injury, replacing your child’s car seat might be a good idea even if it wasn’t damaged. A number of auto insurance companies will pay for the car seats and which is a good thing, considering how expensive they are to replace.

#3: Spoiled Food

Let’s say you bought steaks for a party and thanks to the power going out the previous night, all the food is now spoiled. Strangely enough, there are a number of homeowner policies that cover for this even if the deductible you usually pay might amount to much higher than the amount you spent for the food.

Of course, if your home is damaged, and this includes your refrigerator which is well-stocked, you might want to include this in your claim.