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Colorado Insurance Blog

Unexpected Things Home Insurance Covers

You probably know your homeowner’s policy covers your home and its contents. However, there are other things that you may not be aware are covered. At AFI Insurance in Denver, CO, we offer homeowner’s policies to meet your needs. 

1. Other Structures Coverage

Other structures coverage provides protection for structures on your property other than your home. If you have a shed, barn, or other type of building, this is covered in your homeowner’s policy. If it’s damaged or destroyed, your policy will cover the repair or replacement costs. 

2. Animal Bites and Injuries

If your pet bites someone on your property, this is covered under your personal liability coverage. It’s important to note that your policy may exclude some dog breeds, so check your policy. This part of your policy also covers other injuries, like slips and falls. 

If someone who doesn’t live with you gets injured, your policy will cover their medical expenses. 

3. Liability Lawsuits 

Your liability protection also covers lawsuits. If someone is injured at your home and sues you for damages, your homeowner’s policy will cover the settlement costs. 

If their personal property is damaged, this is also covered. 

4. Hotel Expenses

If your home is damaged and you need to live somewhere else temporarily, your policy will cover your living expenses until you can get back into your home. This typically includes hotel expenses or rent, as well as food costs. 

5. Meteorites 

Your homeowner’s policy should cover falling objects, including meteorites. While it’s unlikely that a space rock will damage your home, you have peace of mind that you are protected if it does. 

Homeowner’s Insurance with AFI Insurance

If you need homeowner’s insurance in Denver, CO, contact us at AFI Insurance. Our knowledgeable agents are here to help you choose the best policy for your needs. 



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