My Home Insurance Covers What? Two Things Your Orlando Home Insurance Covers that May Surprise You.

We all know, hopefully, that if your home is damaged as the result of a fire, it’s covered by your Orlando home insurance policy and that the company who issued the policy will pay the cost to fix the damage to pre-fire condition.

However, beyond the obvious, many people aren’t absolutely sure what their homeowner’s insurance policy actually covers. Today, we’re going to look at two situations that your homeowner’s policy is likely to cover, that you might not be aware of.

Objects Falling From The Sky
Most people are under the impression that damage from a limb falling from a nearby tree during a storm is covered under your homeowner’s policy, but many aren’t aware that any secondary as a result (water infiltration, etc.) might not be covered if you don’t take the necessary steps to mitigate the secondary damage as soon as is reasonably possible. This could mean placing a tarp over the hole on your roof, or boarding up windows that have broken.

However, your home policy will likely also cover things that fall from much, much higher than a tree. Falling aircraft parts and debris, although rare, have caused recorded damage to homes. Even meteors that have traveled billions of miles only to land on some poor homeowner’s roof should be covered by your policy up to the dollar limits contained within.

Accidents Off Your Property – Except When You’re Driving
When a person slips on your driveway or steps, it’s very likely that your homeowner’s insurance policy will cover the medical bills of the injured party. But, many policyholders don’t realize that their coverage may extend to accidents that take place off-property as well. With all the golf courses and theme parks in the Sunshine State of Florida, it’s good to know that a stray drive off the tee,, or some other accidental occurrence that results in someone needing medical attention, should be covered.