Home insurance is a complicated policy. Reading and understanding over 30 pages of your policy is not always easy, and that is why you may not catch everything–particularly coverages. Most insurance companies in Cincinnati, OH advise policyholders to focus more on their coverage, limits, deductibles and rates. If you want to know more about your home insurance policy, this post is for you. Here are the unique things you didn’t know about home insurance coverages.

Identity Theft

You could incur very high expenses trying to repair the damage that comes with a stolen identity. You also waste a lot of time and resources getting other things like your credit cards.  Some insurers in Cincinnati OH included identity theft coverage in your home insurance policy which can be helpful to people who are more vulnerable to identity theft.

Plants, Shrubs, Lawns and Outdoor Trees

If you are a landscaper or like planting and creating beautiful gardens in your home, simply call Advantage Insurance Network and add this coverage in your home insurance, as all landscaping elements are covered in home insurance.

Things Not at Your Home

Home insurance covers your personal belongings wherever you go. Whether you go on vacation and lose your valuables or your children lose their laptops at school, or someone broke into your partner’s car and stole their sports gear, home insurance can help replace them.

Food Loss

Sometimes you may have to throw away bad food when there is a power outage or your refrigerator breaks down. Home insurance can pay for the spoiled food caused by a power outage that wasn’t your fault. However, if you deliberately fail to turn on your fridge or pay the electricity bill, home insurance may not cover any losses as it does not cover intentional acts. You also won’t be compensated if your fridge spoiled food due to normal wear and tear.

Home insurance is an interesting policy that takes care of you, your family, your belongings and your home. For more information, policy discussions and other inquiries, feel free to contact Advantage Insurance Network today.