In addition to the basic coverage options listed above

, the policies of each major company include other types of coverage to complement the basic options outlined above. For example, Allstate also offers optional coverage for identity theft restoration, scheduled personal property, water backup, and more.

Most home policies cover damage from wind and fire, but natural disasters like floods or earthquakes almost always have to be added on as an additional policy option. If you live in areas particularly susceptible to these threats, look into the catastrophic coverage options offered by the provider before making a purchase.Big Boss vote

Many policies include coverage for the medical

Many policies include coverage for the medical costs incurred in the event that a homeowner’s dog bites a guest or neighbor. However, some breeds with a reputation for being aggressive may be charged a higher premium, or may not be covered at all. Always report dogs to your insurer to identify any breed-related gaps in coverage, or any extra steps needed to make sure that you’re protected.
For those companies that will still insure your home and pet, but at a higher rate, you may be able to reduce that premium by completing an approved training and socialization program for your dog.

Many policies include coverage for the medical

Many policies include coverage for the medical costs incurred in the event that a homeowner’s dog bites a guest or neighbor. However, some breeds with a reputation for being aggressive may be charged a higher premium, or may not be covered at all. Always report dogs to your insurer to identify any breed-related gaps in coverage, or any extra steps needed to make sure that you’re protected.
For those companies that will still insure your home and pet, but at a higher rate, you may be able to reduce that premium by completing an approved training and socialization program for your dog.

In the United States, being covered against

In the United States, being covered against acts of war probably isn’t a primary concern when purchasing home insurance. However, with the number of domestic terror attacks either executed or prevented over the past few years, more people are probably starting to think about it. As it stands, home insurance companies do not cover any terror attacks using nuclear, biological, chemical or radioactive weapons. They are considered acts of war, and therefore uninsurable. However, those are extreme cases. Most insurance policies do cover damages cause by explosions, smoke and fire, which are the most likely of an unlikely scenario.

In some instances, new laws or government

In some instances, new laws or government regulations could require upgrades on a home that isn’t otherwise damaged, such as updates to an aging yet functional natural gas pipeline. Some cities have even passed ordinances that require homes of a certain size to install fire suppression systems, at the cost of the homeowner. A standard policy will not cover the cost of government-mandated upgrades, though some insurers offer added ordinance coverage. The same is also true if the government confiscates or condemns your home or property for any reason. Home insurance will not cover the damages.