Insurance Coverage Secrets For Homeowners

As a homeowner in Missouri, you take pride in protecting your home and family. However, accidents can happen at any time and can leave you financially and emotionally devastated. That’s why having a good insurance coverage plan is crucial to protect your home and your loved ones from any unforeseen events.

In this article, we will uncover some insurance coverage secrets for homeowners that will help you get the most out of your policy. As injury lawyers in Missouri, we have seen firsthand the devastating effects of inadequate insurance coverage. That’s why we have put together this comprehensive guide to help you understand the intricacies of homeowners’ insurance coverage and ensure you have the protection you need.

Whether you’re a new homeowner or have been a long-time resident in Missouri, this guide will provide valuable insights to help you navigate the complex world of insurance coverage. So, let’s dive in and explore the top insurance coverage secrets for homeowners in Missouri!

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.