Homeowners Insurance – It May Cover More Than You Realize

Your home – it keeps you warm in the winter, cool in the summer and dry all year around; it can also help protect you even when you are not at home.   Your homeowner’s insurance policy is an asset that not only protects your home and its contents but helps defend you even away from home. Your Washington homeowners policy has two major parts.  Property insurance covers the structure of your home and its contents for fire, theft and other perils; personal liability covers damage to others caused by you, your family or your property – including medical expenses for those injured.  Pretty simple really, if there is a theft in your home and your brand new laptop is stolen, the theft is covered under your property insurance; if your neighbor trips on the loose board on your porch you are defended by your liability insurance.  What many people do not realize is that your homeowners insurance attaches to you as well as your home and when you are away from home, your insurance comes with you. The liability part of your homeowners insurance may provide coverage in the event you or a member of your family injures someone while you are on vacation.  Perhaps you hit a horrible drive that hooks off the golf course and straight through the windshield of a car parked near the course; you may be covered  under your homeowners policy for the repairs.  The medical and liability portion of your homeowners policy may cover you if your errant golf drive hits a person not a parked car or if your normally cheerful canine companion decides to nip on someone’s ankle at the amusement park. Property coverage can be quite extensive and cover many property loss situations away from home.   If your laptop is stolen from your rental car while you are on vacation, you can look to your home insurance for recovery – but remember if it is your business laptop, it may not a covered item.  Virtually anything that you own or purchase can be covered for loss or theft up to the policy limits subject to the same deductibles and policy limits just as they would at home.  If your luggage is lost by the airlines or valuable jewelry disappears from your hotel room, you may be able to recover under your homeowners policy.  It is a versatile tool that helps protect not just your home, but you as the homeowner.

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