11 unusual things covered by home insurance

Homeowners insurance likely covers the loss of furniture, clothes and other basics. But some of your more unusual belongings may also be covered. Here are some interesting claims that have been successfully submitted for reimbursement.

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70Comments
Jan 6, 2014 5:34AM
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...and people wonder why insurance premiums are out of control.
Jan 3, 2014 8:45PM
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The claims are always easy to make, the problems occur when you go for the money...... 
Jan 6, 2014 1:23PM
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If you have anything of value and you live in an apartment buy renters insurance, it's not that expensive. Living in an apartment is like living in a very large house with lots of roommates you have no control of.
Jan 6, 2014 12:51PM
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As to the dog that ate the jewelry, this too, shall pass... Looks like a lot of these claims simply drive up rates for everyone else.
Jan 3, 2014 8:09PM
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My dog eats my underwear. Is that covered???

 

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My homeowner's insurance paid when I had a full semester's worth of books stolen from my truck while I was at work. They didn't pay for the damage to the vehicle from the break-in, but they did pay for the contents.


My mother's dog ate her wedding rings and her homeowner's insurance paid for it. They didn't ask for the dog to be turned over to them.

Jan 11, 2014 12:50PM
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WTH??? Just wait till the dog poops! DUH!!!
Jan 6, 2014 5:12PM
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Most consumers of HO insurance are uneducated. The sales person does not enlighten them to the keys words that trigger coverage and certainly does not discuss the EXCLUSIONS page. Key words are "sudden" and "accidental". In rare cases a slow leak that is "hidden and unseen" Key word" hidden" then you may be afforded coverage. It the rot in the ceiling is clearly visible and had been ongoing, guess what... SOL. READ YOUR DEC PAGE FOR EXCLUSIONS> Very important. The insurance company wants to make you "whole again" but it is not a maintenance policy. Once you enter days , weeks,  months you no longer have coverage. It is in the paper work you purchased. As for deductible, you chose that,  the insurance company does not. You "buy down" premium with deductible to what you can afford. As for premium blame the habitual claimers that make false claims in hopes of one hitting.
Jan 6, 2014 8:58AM
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They cover all these nonsense things for rich people like spoiled wine but they don't cover important things for real people.  Then of course there is the deductable.  Every time you turn around they either raise your rate, rasie your deductable or both.  Probably to pay for someones wine or marijuana or the big fat salary and bonus of the executives of the company. 

 

It's what they don't cover that counts to me.  If the would cover things that made sense instead of things that don't make sense we would all be better off.  A few years ago when the tree in my yard fell on my pickup I found out that not only was I not covered to get my pickup fixed but the tree itself wasn't covered either.  I could collect to have the tree removed but wait that meet the deductable. 

Jan 6, 2014 1:01PM
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I have been trying to get our insurance company to repair our kitchen floor after the dishwasher leaked and ruined the floor.  I don't know what I have been paying for (about 15 yrs ago an agent came out and gave us what he thought was the best coverage and I have never had any reason to doubt it until now).  LONG story short, the company wants to remove my cabinets and countertops but not REPLACE them and they don't want to fix the floor underneath where the dishwasher leaked.  Basically they want to rip up the vinyl and replace that not taking into consideration the damage the subfloor has substatined.  I'm not asking they pay for a new kitchen and I understand they won't cover the dishwasher replacement, but don't you think they should fix the floor where the problem originiated?  I'm very confused and frustrated. 

 

 

Jan 11, 2014 2:08PM
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Insurance makes it possible for Health Care Industry to draw from a enormous pile of money. Government regulates they take a percentage for profit thus the larger the pile the bigger profit. And this is the only reason health care costs are void of any free market forces.
Jan 11, 2014 3:30PM
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"Eaten jewelry"?  CRAP, that's going to be a pain in the *ss!!! lol

Hmm, I wonder if there's a "recovery fee"?

Mar 21, 2014 3:25PM
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As a contractor, I have completed many insurance claims, over 2,000. Many times people purchase the cheapest policy and don't read the declarations and exclusion pages. I know, they are lengthy. But when you get three quotes and the third quote is way cheaper than the other two, something is wrong.

Most insurance adjusters will give the insured the benefit of the doubt. Some homeowners feel a sense of entitlement and consider insurance premiums as a savings account rather than protection. Some  homeowners try to get contractors to inflate the loss so the deductible can get covered. That is illegal for both parties. It is a tricky business. However, if you believe you have been treated unfairly there are options such as hiring a Public Adjuster (who gets a percentage of the funds), hiring an attorney, or filing a complaint with the Insurance Commissioners office. Most states also permit Mediation and Arbitration to avoid costly litigation.

Jan 6, 2014 7:07PM
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Insurance is a scam - plain and simple. You pay hefty premiums to 'cover' you from events that rarely happen. They have egg heads that sit around and calculate, statistically, what problems will hardly ever happen and apply those for coverage.  When you do submit a claim they will try to pay you the least amount possible or not repair it to the original state. If insurers were truly honest and forthright, they would not be in business. 
Jan 28, 2014 10:46AM
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BE VERY CAREFUL ON REPORTING A CLAIM!!!!!!!  I HAD A CLAIM BACK IN 2010 AND IAM PAYING FOR IT STILL... I PAYED THE $500 DOLLAR DEDUCTABLE AND THEY PAYED $ 224 DOLLARS... NOW THEY WANT TO INCREASE MAY HOME INSURANCE AGAIN, THIS TIME FOR $80 DOLLARS A MONTH, ARE YOU KIDDING ME, CHANGING THE CROOKS TO A BETTER INSURANCE, I HOPE... JUST BE VERY CAREFUL ON CLAIMS....
Jan 6, 2014 2:29PM
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if you have tornado insurance make sure you also get straight line wind insurance they want cover straight line wind as a tornado. even if its 100 mph.
Mar 24, 2014 7:31PM
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People wonder why insurance premiums are out of control. I'm pretty sure its as a result of the socialistic actions taken by our benevolent rotten 2-party system.

 

Here's an astounding fact. When I purchased my first home 50 years ago I had enough down so that I could pay for taxes and hazard myself without escrowing monies with the mortgage company. One year hazard policies were impossible to find, Only 3 year deluxe homeowner policies for $55 were available. Astoundingly everything was covered and I don't remember having reams of exclusions like today's policies.

 

What went wrong????? Here's my guess. After the Kennedy assassination, Johnson took over in 1963 and started the 'GREAT SOCIETY'. By 1967 rioters were burning the cities down. The national guardsmen were told to just stand there with empty rifles and just watch the looters destruction. With the insurance companies on the hook for the damage, cancellation notices were sent out en mass to the city business owners in order to stem any further losses.

 

Our government panicked, fearing such action would turn every center city in America into a ghost town.

 

The Johnson administration acted quickly by telling the insurance companies to recall the cancellations and then amortize the losses onto everybody's hazard policy. Insurance companies loved this idea because their profits were regulated to a fix percentage of their business which would now increase astronomically.

 

The 3 year Deluxe Homeowners policy for $55 went the way of the DO-DO-Bird and the NY landlords who owned dilapidated warehouses and fixed rent tenement houses saw their insurance costs ramp skyward. Their solution was to spawn a new crime industry called "ARSON FOR PROFIT" and even greedily stuffed their properties with imported junk (the paperwork showed otherwise) before having them torched whether occupied or not. The insurance companies loved it as this amortized percentage increased their earnings even more volumetrically.

 

Now today, no matter where you live, you help pick up the cost for the disasters that occur throughout the country.

 

Isn't socialism wonderful?????

 

Where, OH where is Ross Perot???? Get his shovel and clean out the barn. That giant sucking sound is making me deaf. 

Jan 6, 2014 12:10PM
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Anyone who tells me to turn over my dog will receive one shot in the chest and another in the head
Jan 6, 2014 7:41AM
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12. get a new life and stop to being so stupid
Jan 11, 2014 4:05PM
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Insurance stinks unless you need it 
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