Home insurance can help cover your home – even for the most unlikely of events

home insurance, homeowners claimIt may seem odd to have house insurance in place to cover your home from a car driving into it – or damage from a herd of animals. But events like these can happen and it pays to be prepared.

So when looking at home insurance quotes, consider the following possibilities:

Vehicle or trains

Although most of us would never expect a car, motorbike, lorry – or even a train – to hit our homes, it can happen. Especially if you live near a road or railway. And if it does happen, it could cause hundreds, even hundreds of thousands of pounds worth of damage. Thankfully, most insurance companies will cover your home if this does happen. Make sure you check your policy, and if you don’t already have a policy in place, look for house insurance quotes online.

Wild or stray animals

Whether it’s just one, or a whole herd, animals can potentially cause damage to your home. A lone bullock or a flock of sheep damaging brickwork and fencing – or a bird flying into a window. It’s good to know that most house insurance policies will cover you for this kind of damage, so long as domestic pets are not the cause.

Falling trees and branches

However beautiful trees are, if they fall onto your house, they can wreak havoc on its structure. After all, they will probably weigh several tons at the very minimum. Especially in extreme weather, trees can sometimes fall, so it’s best to be on the safe side and make sure you have adequate insurance cover in place should the worst happen.

Damage from airplanes

Most house insurance policies can also cover your home if it were to be hit by an aircraft or other aerial device. They can also cover you if anything falls from an airplane and hits your home. You may think it will never happen to you, but do you want to take the risk? Check your policy to be on the safe side.

Forces of nature

Nature is unpredictable. Storms, floods, earthquakes and lightning can all damage the structure to your home. Starting over again after a natural disaster has ruined your home can be too stressful to even consider. So make sure you read the details of your house insurance policy to make sure it covers you for damage from Mother Nature too.

This may seem like a list of the worst-case scenarios. But just because they are rare, it doesn’t mean that they don’t ever happen. Don’t fall victim to the unexpected and ensure that your house insurance is in place – and up to date. Get quality contents and buildings insurance– it will help to give you extra peace of mind.

Photo by: RevVodoo
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Comments

  1. I hope a train never hits my home but if it does, I am glad to know that I am covered.

  2. Nice read! Home insurance allows you to claim for the cost of repairs or even the complete reconstruction of the property if it is damaged. Most good policies will also allow you to claim for alternative accommodation during the repairs works.

  3. Great list. Always talk to your agent and discuss exactly what your coverage includes. Local agents can be a great resource because they know exactly what the prevalent threats are as well as other minor things that may occur in your region. Doing your research will keep you covered and may also save you money in the long run because you won’t be paying for unneeded coverage.

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