When most people think about home insurance, they focus on the obvious protections—fire, theft, and storm damage. While these are certainly important, there are many lesser-known risks that your policy may cover, offering protection in unexpected ways. At Homeowners Insurance Group, which provides coverage throughout the Scottsdale, AZ, area, we want homeowners to fully understand the value of their coverage and how it can help in unexpected situations.

Protection from Falling Objects

It’s not something most people think about until it happens, but home insurance often covers damage caused by falling objects. Whether it’s a tree branch crashing onto your roof, debris from high winds, or even space junk (yes, it happens), your policy may help pay for repairs.

Liability Coverage for Injuries on Your Property

If a guest slips on your walkway or a delivery worker gets injured on your steps, you could be held liable for medical costs and legal expenses. Many homeowners don’t realize that their insurance includes liability coverage, which can help protect them from costly lawsuits and unexpected medical bills.

Coverage for Temporary Living Expenses

If your home becomes uninhabitable due to a covered event, such as a fire or severe storm damage, you may not have to worry about where you’ll stay. Many policies include coverage for additional living expenses, helping pay for hotel stays, meals, and other necessary costs while your home is being repaired.

Understanding Your Home Insurance Policy

Home insurance does more than protect against the obvious risks—it can provide peace of mind in ways many homeowners never consider. Homeowners Insurance Group in Scottsdale, AZ is here to help you understand your policy and ensure you have the right coverage. Contact us today to review your options and stay protected from the unexpected.