Unusual Home Insurance Coverage:
6 Weird Claims You Could Make on a Policy

June is Homeownership Month! So, it’s the perfect time to talk about the finer details of home insurance. Our Home Insurance 101 post explains that these policies typically cover perils such as damage from fire, storms, and vandals. And they exclude issues caused by earthquakes and floods. But many also offer protection for a few things you’ve probably never considered. So, let’s look at some unusual home insurance coverage.


Meteor Damage


It’s true! Many policies cover damage caused by falling objects. While this usually applies to trees, it can also include meteors, satellites, or planes.


Volcano Damage


Most home insurance policies have an “open perils” clause, which covers everything not specifically stated in the exclusions. So, that can lead to some unusual home insurance coverage, including damage from lava or volcanic ash. However, you probably need to purchase a separate earthquake policy that covers tremor damage if you live in an area known for volcanic activity.


Spoiled Food


Suppose your area experiences a prolonged power outage due to a covered peril. In that case, your home insurance policy will most likely cover the cost of food that has spoiled in your refrigerator. (You can even add food costs to your insurance claim after a fire.)


Tombstone Vandalism


Most home insurance features some coverage for valuables—and believe it or not—that can include a loved one’s tombstone. Many policies offer $1,000 to $2,500 in reimbursements for cracked, crushed, or defaced gravestones.




Sometimes, looters take advantage of natural disasters and comb through resulting rubble, looking for valuables. You can add stolen items to your insurance claim as a part of rebuilding costs.




Some parties get rowdy. Fortunately, many home insurance policies cover damage your guests may cause, including broken banisters and smashed furniture. They also offer liability protection in case someone gets injured on your property.


If you have any questions about unusual home insurance coverage, call us. We’re happy to explain the fine print.