5 Things You Probably Didn’t Know Your Homeowners Insurance Covered

1. Dog Bites for Dogs You Don’t Own.

You read that right. If you have a dog that attacks someone on your property, even if it’s a dog you don’t own, then you likely have coverage under your homeowners policy. The only reasons this might not be true is if the person provoked the dog or your insurance company explicitly stated in the insurance policy that this type of incident is not covered.

2. A Defense Lawyer.

If someone makes a claim against you, regardless of whether the claim is fraudulent or not, the insurance company is obligated to defend the claim. That obligation includes lawsuits and anyappeals. Although your rates may go up or the insurance company may cancel your policy, you should incur zero out-of-pocket expenses for defending the claim or lawsuit.

3. Riots or Terrorist Attacks.

Most standard homeowners insurance policies include specific sections for damage caused by riots or terrorist attacks. However, be sure to check your policy, because many companies place a $500 limit of liability on these types of claims.