Surprising Things Your Homeowners Insurance Covers

While most people are aware that their policy covers fire, theft, and natural disasters, there are several lesser-known coverages that can offer significant benefits. In this article, I reveal some surprising aspects of what your homeowners insurance covers. I’ll guide you through these unexpected coverages, share tips from my personal experience, and provide real-life examples to help you maximize the benefits of your policy.

Key Takeaways

  • Mold Damage: Coverage depends on the source of the mold.
  • Identity Theft: Some policies offer support for recovering stolen identities.
  • Pet Damage: Liability coverage may extend to pet-related incidents.
  • Grave Markers: Policies may cover damage to family grave markers.
  • Spoiled Food: Reimbursement for spoiled food due to power outages.
  • Dorm Room Theft: Coverage extends to belongings in a child’s dorm room.
  • Volcano Damage: Covered under specific circumstances.

Mold Damage





Many homeowners are unaware that their insurance policy might cover mold damage. However, the extent of this coverage depends on the source of the mold. If mold results from a covered peril, such as water damage from a burst pipe, your policy will likely cover the cleanup and repairs. From my experience, it’s essential to address water damage immediately to prevent mold growth and ensure coverage.

Tips from My Experience

  • Immediate Action: Document water damage and notify your insurer promptly.
  • Regular Maintenance: Regularly inspect areas prone to moisture, like basements and attics.
  • Preventive Measures: Use dehumidifiers in damp areas to prevent mold.
Mold Coverage TipsActions
Document Water DamageTake photos and videos immediately.
Notify Insurer PromptlyReport damage as soon as it occurs.
Regular InspectionsCheck basements, attics, and bathrooms.
Use DehumidifiersKeep moisture-prone areas dry.

Identity Theft

In today’s digital age, identity theft is a growing concern. Surprisingly, some homeowners insurance policies offer coverage for identity theft. This can include expenses related to reclaiming your identity, such as legal fees, lost wages, and the cost of credit reports.

Real-Life Example

A client of mine fell victim to identity theft after a data breach. Their homeowners insurance policy covered the legal fees and other associated costs, saving them thousands of dollars.

Tips from My Experience

  • Check Your Policy: Ensure your policy includes identity theft coverage.
  • Monitor Credit Reports: Regularly check your credit reports for suspicious activity.
  • Secure Personal Information: Use strong passwords and be cautious with sharing personal information online.

Pet Damage




Pet owners might be relieved to know that their homeowners insurance can cover damage caused by their pets. While it doesn’t cover damage to your property by your own pets, it does cover liability if your pet causes injury to others or damages someone else’s property.

Tips from My Experience

  • Liability Limits: Ensure your policy’s liability limits are sufficient to cover potential incidents.
  • Pet Training: Invest in proper training to minimize the risk of pet-related accidents.

Grave Markers

Another surprising coverage is for grave markers. If a family grave marker is damaged or vandalized, your homeowners insurance may cover the repair or replacement costs. This often-overlooked benefit can provide peace of mind during difficult times.

Real-Life Example

A policyholder’s family grave marker was vandalized, and the insurance covered the full cost of the replacement, alleviating additional stress during an already challenging period.

Tips from My Experience

  • Document the Damage: Take photos and gather any evidence of vandalism.
  • Report Promptly: Notify your insurer as soon as you discover the damage.

Spoiled Food

Did you know that homeowners insurance can cover the cost of spoiled food? If a power outage causes your refrigerator or freezer to stop working, resulting in spoiled food, your policy may reimburse you for the loss.

Tips from My Experience

  • Keep an Inventory: Maintain an inventory of the food in your refrigerator and freezer.
  • Document Losses: Take photos of spoiled food and keep receipts for high-value items.
Spoiled Food Coverage TipsActions
Maintain Food InventoryKeep a list of items in your fridge/freezer.
Document Spoiled FoodTake photos and save receipts.
Report Power OutagesNotify your insurer about the outage.

Dorm Room Theft

If you have a child in college, their personal belongings in a dorm room might be covered under your homeowners insurance policy. This means that if their items are stolen or damaged, you could be reimbursed for the loss.

Tips from My Experience

  • Check Policy Details: Verify that your policy covers belongings in dorm rooms.
  • Document Belongings: Encourage your child to keep an inventory of their items.
  • Educate on Safety: Teach your child about securing their belongings and being cautious.

Volcano Damage

While not common, some homeowners insurance policies cover damage caused by volcanic eruptions. This can include damage from ash, lava flow, and shockwaves.

Real-Life Example

A policyholder living near a volcano experienced significant damage from an eruption. Their homeowners insurance policy covered the repairs, providing much-needed financial relief.

Tips from My Experience

  • Know Your Risks: If you live in a volcanic region, ensure your policy includes this coverage.
  • Emergency Preparedness: Have a plan in place for volcanic eruptions.
Unexpected CoverageDetails
Mold DamageCovered if resulting from a covered peril.
Identity TheftLegal fees, lost wages, credit reports.
Pet DamageLiability for injuries or damages to others.
Grave MarkersCovers damage or vandalism.
Spoiled FoodReimbursement for food lost in power outage.
Dorm Room TheftCovers child’s belongings in dorm rooms.
Volcano DamageIncludes ash, lava flow, and shockwaves.

Final Thoughts

Homeowners insurance offers a wealth of surprising coverages that many policyholders are unaware of. By understanding these benefits, you can make the most of your policy and ensure you’re adequately protected. As someone deeply familiar with the intricacies of insurance, I encourage you to review your policy details and speak with your insurer about these lesser-known coverages. Doing so can provide you with peace of mind and financial security in unexpected situations.