10 Weird Things Covered by Home Insurance

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10 Weird Things Covered by Home Insurance – When it comes to home insurance, most of us think about protection against the usual suspects like fires, burglaries, and natural disasters. But did you know that home insurance can also cover some truly bizarre and unexpected incidents? 

In this article, we’ll explore 10 weird things that you probably didn’t know could be covered under your home insurance. Let’s uncover the extraordinary coverage provided by home insurance policies.

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Damage by Pets

Pets are beloved members of our families, but sometimes they can cause unintentional damage to our homes. Surprisingly, home insurance can cover damages caused by your furry friends. Whether it’s a mischievous dog chewing on furniture or a curious cat knocking over valuable items, your insurance policy may help cover the cost of repairs or replacements.

Identity Theft

Identity theft is an unfortunate reality in today’s digital age. However, some home insurance policies offer coverage for expenses related to identity theft, such as legal fees, lost wages, or credit monitoring services. This coverage can be a valuable resource in helping victims recover from the financial and emotional distress caused by identity theft.

Defamation Lawsuits

Did you know that home insurance can sometimes cover defamation lawsuits? If you find yourself facing legal action due to a defamatory statement made against someone, your home insurance policy may provide coverage for legal expenses and potential damages. However, it’s important to note that not all policies include this coverage, so it’s essential to review your policy carefully or consult with your insurance provider.

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Food Spoilage from Weather-Related Damages

Severe weather events such as storms or power outages can lead to unexpected food spoilage. Thankfully, some home insurance policies offer coverage for food spoilage caused by weather-related damages. If your refrigerator breaks down due to a power outage or storm, resulting in spoiled groceries, your insurance policy may reimburse you for the cost of replacing the spoiled items.

Dorm Room Burglary

For college students living in dormitories, the loss or theft of personal belongings can be a significant concern. However, many home insurance policies extend coverage for personal belongings, even when they are located outside the insured property. This means that if your child’s laptop or other valuables are stolen from their dorm room, your home insurance policy may help cover the loss.

Stampede Coverage

While it may sound like a scene from a movie, stampedes can occur in various settings, including rural areas or during large events. Surprisingly, some home insurance policies include coverage for damages caused by stampedes. Whether it’s a stampeding herd of livestock or an unexpected crowd surge during a local festival, this coverage can help mitigate the financial burden of property damage.

Falling Objects from the Sky

Although it may seem like a scene from a science fiction movie, falling objects from the sky can cause significant damage to your property. Whether it’s a satellite, airplane debris, or a meteorite, some home insurance policies cover damages caused by these unusual events. So, if a mysterious object crashes through your roof, you can breathe a sigh of relief knowing that your insurance might help cover the repair costs.

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Sudden Power Surges

Electrical power surges can cause damage to appliances, electronics, and electrical systems in your home. Thankfully, many home insurance policies cover losses resulting from sudden power surges. Whether it’s a lightning-induced surge or an issue with the power grid, this coverage can help repair or replace damaged items and minimize the financial impact on homeowners.

Volcanic Eruptions

While volcanic eruptions are relatively rare in certain regions, some homeowners may be surprised to learn that home insurance can offer coverage for damages caused by volcanic activities. From ash damage to property destruction due to lava flows, volcanic eruption coverage can provide financial protection in areas prone to such natural disasters.

Gravestone Damages

Unusual as it may seem, certain home insurance policies cover damages to gravestones or monuments. Whether due to natural disasters, vandalism, or accidents, these policies can provide financial protection for the repair or replacement of damaged gravestones, bringing peace of mind to grieving families.

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Frequently Asked Questions and Answers:

Are weird coverages included in all home insurance policies?

Coverages can vary from one insurance provider to another. It’s crucial to review your policy or consult with your insurance agent to understand what is covered.

Will making a claim for unusual coverages affect my premium?

It depends on the insurance company and the specific circumstances. Some claims may affect your premium, while others may not. It’s best to discuss the details with your insurance provider.

Is there an additional cost for weird coverages?

Some insurance companies may offer these coverages as part of their standard policies, while others may require an additional premium.


Home insurance not only protects against common perils like fire and theft but can also offer coverage for some truly unexpected and bizarre incidents. From lightning strikes and falling objects to stampedes and gravestone damages, these unique coverages provide homeowners with peace of mind in the face of the unexpected. 

While not all policies include these weird coverages, it’s worth exploring your options and discussing them with your insurance provider to ensure you have the appropriate coverage for your specific needs. Remember, when it comes to protecting your home, it’s always better to be prepared for the unexpected, no matter how strange it may seem.

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