5 Hidden Costs You Didn’t Know Your Home Insurance Covers

Published on February 01, 2025 | By Policy Bazar

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Did you already know your house insurance would possibly cover extra than just fireplace or robbery? Many homeowners forget about hidden blessings that could save them thousands of dollars in unexpected fees. At PolicyBazar, we’ve analyzed over 10,000 rules to uncover those lesser-acknowledged perks—and display you how to take complete advantage of them. Let’s dive into 5 surprising things your policy might already cover.

1. Temporary Housing After a Disaster

Does domestic insurance cover transient housing? Yes—if your property turns into uninhabitable due to a covered event like a fireplace, flood, or burst pipe.

Most guidelines consist of Additional Living Expenses (ALE) coverage, which reimburses prices for motels, food, or even pet boarding even as repairs are underway.

For example:

• A burst pipe forces you to live in a hotel for 2 weeks? Your insurer ought to reimburse $3,000 or greater.

Pro Tip: Review your policy’s ALE limits—many cap this gain at 20% of your living insurance. If your contemporary restriction feels low, take into account upgrading.

2. Appliance or System Failures

Does domestic coverage cover equipment failure? Sometimes! Sudden breakdowns because of “perils” including electricity surges or lightning moves can be protected beneath your coverage.

For example:

• An electricity surge fries your HVAC gadget? Your insurer would possibly foot the repair bill.

However, gradual wear-and-tear isn’t covered, so regular renovation is key.

Fun Fact: PolicyBazar.Ca customers keep a median of 22% by way of bundling equipment safety with their home coverage.

Check in case your home equipment are included ➔

3. Identity Theft Recovery

Does home coverage cover identity robbery? Surprisingly, sure! Many guidelines include $25K–$50K for fees related to identity theft restoration, inclusive of criminal expenses, credit score monitoring offerings, and lost wages.

Consider this actual-life example:

• A Toronto home owner fell victim to fraudsters who racked up $18,000 in unauthorized costs. Thanks to their domestic insurance policy’s cyber protection clause, they have been fully reimbursed.

With identity theft on the upward push, adding this insurance can offer peace of mind for just $5/month.

Add identification theft coverage for $5/month

4. Pest Infestation Cleanup

Are pest infestations covered through home insurance? Not normally—however there’s an exception. While problems like bed bugs aren’t blanketed, surprising damage caused by flora and fauna (e.g., raccoons chewing through wiring or squirrels nesting in your attic) frequently is.

For example:

• A rodent chews through electrical wiring, causing a short circuit? Your policy might pay for upkeep and extermination offerings.

To keep away from surprises, ask your insurer approximately unique natural world-related clauses.

Ask our professionals approximately flora and fauna damage clauses

5. Landscaping Damage

Does domestic coverage cover landscaping damage? Absolutely! Storms, vandalism, or maybe cars crashing into your backyard can qualify for payouts.

Here’s the catch: Coverage is generally capped at 5% of your living expenses. So, if your own home is insured for $500,000, you’d have up to $25,000 for landscaping maintenance.

Here’s the seize: coverage is generally capped at 5% of your living expenses. So, if your own home is insured for $500,000, you’d have up to $25,000 for landscaping maintenance.

Pro Tip:Take pictures of your lawn, fence, and bushes now. Having documentation makes filing claims faster and less complicated.

How PolicyBazar Helps You Unlock Hidden Savings

Navigating the excellent print of your house insurance policy can be overwhelming. That’s where PolicyBazar.Ca comes in.

Why Choose Us?

• Experience: Since 2018, we’ve helped over 500,000 Canadians optimize their coverage.
• Expertise: Our set of rules go-tests 75+ situations to discover gaps to your policy.
• Trust: Rated 4.9/5 stars on Google with the aid of 15,000+ satisfied customers.

How We Save You Money:

• Free Audit: We’ll overview your present policy to spot areas wherein you’re undercovered.
• Match: Compare quotes from 25+ top insurers in under 3 minutes.
• Save: On average, our customers save $480/year on rates.

FAQs: Answering Your Top Questions

Q: Does domestic coverage cover water harm from leaks?

A: Yes—but most effective if the leak is surprising (e.g., a burst pipe). Gradual leaks resulting from neglect aren’t included.

Q: Can I decrease my rates without sacrificing insurance?

A: Definitely! Strategies like bundling policies, installing security systems, and paying yearly in preference to month-to-month can lessen expenses by up to 30%.

Q: How do I claim hidden advantages?

A: Document all damages right now with photographs and receipts, then contact your insurer—or call our 24/7 claims aid line for assistance.

Conclusion: Don’t Settle for Basic Coverage

Your home insurance policy probably covers much more than you realize—from temporary housing to identity theft recovery. The key is knowing your policy and ensuring you’re not missing out on valuable advantages.