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6 Things You Probably Didn’t Know Could Be Covered by Insurance

6 Things You Probably Didn’t Know Could Be Covered by Insurance

When you purchase insurance for your home, automobile, life or anything else, you likely have a good understanding of the most obvious things you expect the policy to cover. But did you know that there are a ton of other scenarios that may also be included under your insurance plans?

It’s important to keep in mind that each insurance company and each policy they offer vary, so check with your insurance agent or policy to verify your coverage!

In case life should throw you a curve ball, there’s a lot of value in being informed of your insurance policies so you can fully utilize your coverage. Here’s a look at six things you probably didn’t know could be covered by insurance.

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Food spoilage in freezers and refrigerators due to loss of power

If your home should lose power for a prolonged period of time, causing your freezer or refrigerator to turn off and get warm, you will likely have to toss the food you had stored in there. Depending upon your homeowner insurance policy, you could be eligible for a reimbursement to cover this loss. This could be especially important for homeowners who have a freezer chest or spare refrigerator in which they store steaks or bulk food.

Temporary repairs to your home

If your home should get hit by a storm or sustain some other type of damage, such as a tree falling on your roof, you will likely need to make immediate, temporary repairs to avoid further damage to your home. Most property insurance policies provide a reimbursement of a certain

amount to put towards temporary repairs to protect property from further loss, such as tarping the roof or parts of your home. When in doubt, protect your home, but don’t take risks to yourself in the process, hire a contractor to do the work that’s dangerous or specialized.

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Identity theft expenses

We live in a day and age where identify theft is a daily threat to our finances, credit and private information. Many people are unaware that some insurance companies offer Identity Theft Expense Coverage, which for about $30/year, covers expenses related to identity theft, such as taking time off work, attorney’s fees and credit repair and monitoring services.

Loss of wages after an auto accident

If injuries from a car accident cause you to miss work, your car insurance may be able to help get back some or all of the lost wages. This benefit is part of personal injury protection, which covers injuries for you and your passengers regardless of who caused the crash. Note, personal injury protection is only required in 12 states, so make sure you check with your insurance agent!

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Dog Bites

If your dog bites someone and causes injury, your homeowner policy may cover that person’s medical expenses (even if the bite didn’t happen on your property). A lot of policies will also pay for legal expenses, if that injury results in a lawsuit.

Personal vehicle rental

Most national auto insurance companies extend your coverage on your best covered vehicle to any personal vehicle you rent for personal use in the US, at no extra cost. (Note: Smaller local or regional insurance companies don’t offer this outside of the state(s) they work in.) Credit card companies may also offer some coverage if using their card for the rental. Keep in mind that insurance companies are strict about personal vehicles for personal use. So if you are renting a car for commercial use, or if you are renting a U-Haul or dump truck, your personal auto policy most likely won’t extend coverage to it.

Again, we must emphasize that each insurance company and each policy they offer vary, so check with your insurance agent or policy to verify your coverage!

What insurance benefit did you find most surprising? Share your thoughts or ask a question by commenting below!

 

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  • Free shuttle service  within a five mile radius
  • Free loaner service – Consult one our friendly representatives for special arrangements
  • Windshield replacement at rates lower than the national chains

Kreitzer’s Automotive takes great pride in everything we service. Whether it is an oil change, installing new brakes, a major engine repair or a state inspection, our technicians have the skills to do the job correctly the first time.

Call (717) 732-3556 to schedule your next service appointment. Visit kreitzersautomotive.com for more details and information.

Trademark Classics – Dillsburg – Free Car Wash & Cleaning Service

Trademark Classics in Dillsburg would like to offer a Free Car Wash, Vacuum, Window Wash and Tire Shine ($25 Value) with any service work over $100 on same visit.

For more information visit http://www.trademark-classics.com or Call (717) 432-9008

LOCAL AGENT

David Downey
Insurance Agency Owner
11 N US Hwy 15, Ste 7
Dillsburg, PA, 17019
717-432-1361
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