Accident Coverage Essential to Home Insurance

Chicago, IL, October 29, 2009 --(PR.com)-- Homeowners insurance typically includes liability coverage, coverage for external living expenses, and contents coverage. According to an article recently published on InsuranceAgents.com, homeowners should also be sure that their policy includes home accidents coverage and know exactly what is covered and what is not covered in their homeowners insurance policy.

“Accidental damage is damage that happens suddenly as a result of a non-deliberate and unexpected action,” the article, ‘Homeowners Insurance: Accidents Happen,’ states. “You will need to check your policy for which specific damages are covered and which are not. For example, your carpeting might be covered if it is stained but if apple juice is spilled on your laptop then you may be out of luck.”

Homeowners insurance policies generally include tricky language that can be confusing and extremely specific as to what is considered an “accident.” An example would be a pet dog that is not listed in a homeowner’s policy and destroys some furniture. Sure, it’s an accident but the fact that the dog was not included in the policy will most likely mean the damage isn’t covered.

All homeowners should know their policies in and out. This will prevent filing a useless homeowners insurance claim that will inevitably get denied. Any homeowner who is confused of the language their policy contains should contact their home insurance agent. He or she will be able to answer any and all questions and provide sound advice for any homeowner.

Visit InsuranceAgents.com today to learn more about the ins and outs of home insurance quotes and the insurance industry as a whole.

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