Most consumers know that damage caused by fire or burst pipes is covered by their homeowners’ insurance, but even standard policies can extend beyond more common misfortunes. Here are several of those oddities.
1. Things falling from the sky - old satellite debris, other space junk, meteors - are usually covered by an “open peril” clause. Unless something is specifically excluded, chances are you are covered.
2. Volcanic eruptions also fall into the “open peril” classification. Many policies have coverage for volcanic action built in, but it is limited to any damage to your structure and possessions caused by lava or volcanic ash. That means you'll need a separate earthquake policy to be covered for any tremors and resulting damage connected to an eruption. The volcano clause is especially important in a state like Hawaii, which also has a state-run volcano insurance program to provide even more coverage for residents in the highest-risk regions.
3. Reward offered for information leading to an arrest if your home is robbed or burglarized may be covered up to $1500 if information leads to a conviction.
4. Tombstone pranks. Headstones and other grave markers are often targeted by pranksters and are generally covered by homeowners insurance if they're cracked, crushed or defaced with paint. They're seen as valuables, so they're generally protected in your policy, with reimbursement from $1,000 to $2,500. Homeowners can raise the limit by purchasing additional insurance.
5. The unexpected worst happening. Many, but not all, policies include protection to help you with clean-up costs if there's been a murder, suicide or unattended death in the home. Not all policies have this coverage, so you need to look at the policy or discuss it with your agent.
If you have questions, please come talk to us. We have a lot of answers!


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