Your Homeowners Policy Is Good For A Lot More Than Damage To Your Home

Have you ever had your wallet stolen? Chances are you probably immediately called your credit card companies to notify them

. But what about your insurance company? If you had homeowners insurance, you had no need to worry.

Losses from stolen credit cards and stolen checks are covered on most homeowner's polices up to $1,000. And that includes not only cash losses, but also any court and legal costs you may have to pay in bringing the thief to justice.

Indeed, there are oodles of things covered under homeowners insurance that few people know about... Here are just a few:

- The cost of removing debris after a fire.

- The cost of protecting property that has been damaged so it doesn't get damaged any more.

- The cost of paying a fire department to put out your fire.

- Damage to property you tried to remove from a burning building.

- Extra assessments from your condominium association, such as unexpected common property damage.

- Theft of your jewelry from a hotel room

- Your child's college dorm. If a thief robs your child's college dorm, your home insurance policy should have you covered. Most home insurance policies will extend coverage to theft of personal belongings in your child's dorm.. Your child must be a full-time student and be considered your dependent for coverage to apply.

When in doubt, call your insurance agent to see if it's covered. You may just find a nice check in your mailbox.

Also, ask your insurance agent about discounts on your homeowners insurance premiums for such things as:

- Burglar alarms

- Deadbolt locks

- A sprinkler system

- Window locks

- A brand new home

- Mature (over 55) owners

- Multiple polices with the same insurance company

by: Obadiea

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