Surprising Things That Are Covered by Home Insurance in Canada
By: John | Date Posted: November 8, 2022
Home insurance isn’t everyone’s favorite subject, but it may become more intriguing when you learn about all the unusual claims that are included in your policy. For example, dog bites, a frozen lump of sewage descending from the sky, and anything else you can think of.
You should know what to look for in an insurance policy before shopping around for the finest one in your area. For example, if you live in Ontario, Canada, make sure you consult with an experienced broker so they can guide you to choose the best home insurance Ontario has to offer. Knowing the advantages of different types of home insurance can help you select the one that’s ideal for your preferences and budget.
In this article, we’ll go through five of the most out-of-the-ordinary claims that could be covered by your homeowner’s insurance.
If you’re a golf enthusiast perhaps you have your own backyard or front lawn where you can work on your shot. The ball slices in the incorrect way, breaking a window in your neighbor’s house. Maybe it will come straight at them, delivering them a nasty bump and a severe concussion.
If this happens to you, don’t worry about paying for your neighbor’s medical expenses or repairing their damaged property since your homeowner’s insurance has you covered. The same accident or damages you inflict at home might be covered if they occur on the golf range, whether it’s in your own country or wherever else you’re located at the moment.
Your electricity has been knocked out because of an unexpected storm. You and your family have prepared for an emergency by assembling an emergency bag complete with bottled water, flashlights, and blankets, but you haven’t given any thought to what would become of the food in your fridge and freezer.
As a result of the power outage, all of your frozen food will go bad. In the event of a power failure or mechanical failure, your home insurance will cover the cost of replacing the perishable food stored in your freezers on the premises.
This is based on a true story that occurred in Ontario in which a homeowner claimed that a piece of frozen sewage that fell from an airplane caused a hole in his roof. Even though the repairs would cost thousands of dollars, the homeowner was protected by insurance.
This is because coverage for “falling items” is typically included in the terms of standard homeowner’s insurance policies. In such case, you won’t need to be concerned if frozen sewage rains down from an airplane if you have this type of insurance.
Although no one wants to think about it too deeply, a car slamming into your house and causing severe damage is covered by your home insurance. Even if the accident results in a fire or casualties, those costs will be covered as well.
Damages to the residence and injuries are often covered by the driver’s third-party liability insurance, up to the policy’s maximum. If you have all-perils coverage on your house, your insurance company will pick up the tab after that.
Did you know that if your dog bites a package delivery worker and the victim sues you for damages, your homeowner’s insurance will pay the bill? This might happen for a variety of reasons, including if the human was previously agitating the dog.
We’re hesitant to state that all breeds of dogs will be covered, since certain dog breeds, including Rottweilers and Doberman Pinschers, may be excluded from coverage if they cause bite injuries. This is because of the breed-level danger of canine bites rather than any specific dog, although a dog of any breed with a bite history may be denied coverage. If you’ve just adopted a pet, you should let your insurance company know so you can get the proper coverage.
Homeowners insurance is there in case something goes wrong, but it is meant to be a last resort. Repeated claims may not appear awful at first, but they will seem bad if your potential new insurer sees a long history of claims.
Furthermore, a high volume of claims might drive up costs. While house insurers won’t assign responsibility in the same way that vehicle insurers do, filing many claims will still raise your rates, and you’ll have to pay a deductible for each claim you make.
Consult a professional if you need help deciding whether or not to pursue a claim. In the end, it is their responsibility to guide you toward the most appropriate claims.
Thank you for reading!