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4 Surprising Accidental Damage Claims That Your Policy May Cover

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If you own a home and are still paying a mortgage, you have home owners insurance. There's really no way around it. Even if there were, you wouldn't want to own a home and not insure it. Why not? Insurance covers a wide variety of expenses that may bankrupt you if you don't have enough insurance to cover the cost. In addition to covering damages caused by common things, such as fire, theft, and vandalism, your policy could cover the damages associated with numerous freak accidents. Following are four surprising accidental damage claims that your policy may cover. 

Damage Caused by A Neighbor

If you live in an apartment building, you must cover yourself against damage caused by your neighbors. While you may make sure that you don't let the tub overflow, your neighbors may not. If you have a neighbor above you who allows water to leak down into your apartment, you may get stuck with the damages if they don't have insurance or the ability to pay. In many cases, your insurance will cover water damage, mold damage, and fire damage caused by a neighbor if they can't cover the costs to fix your home. 

Damage Caused by A Crime

While you may not want to think about it, violent crime does happen. If someone were seriously hurt or murdered on your property, your home insurance will help you cover the costs of cleaning up the mess. They will also pay for the property damage associated with said crime. For example, if your window were to get broken in a scuffle, your insurance company would pay to replace it. 

Damage Caused by A Lightning Strike

If your car gets struck by lightning in your driveway, will you be covered? In most cases, the answer is yes. Your insurance policy may also cover damage to other items that happen to be in the vicinity of the strike. Since lightning travels, it's not uncommon for the vehicle to be damaged along with the home or a nearby tree. 

Damage Caused by A Good Samaritan

If someone gets hurt on your property, your first instinct is to help them out. However, you may cause more damage to them by doing so. For example, moving someone with spine fracture can have devastating consequences. In most cases, these acts of kindness are considered good Samaritan acts. If you hurt someone unintentionally, you won't be charged criminally. However, you may be responsible for the medical bills, which your home policy may cover if the incident occurred on your property. 

Home insurance covers the foreseen and the unforeseen. While you may understand that fire and storm damage is a real possibility, you may not think about other freak accidents that may happen. When they do, your insurance company will be there to help you. For more information, talk to a professional like DJM Insurance Agency.