When people think of homeowners insurance, they may picture it covering the basic disasters that can happen to a home, such as a house fire. However, there are many incidents that could be covered that you may not be aware of. Here are a few of those incidents that you should look into to find out if you have the proper coverage.

Dog Bites 

Everyone loves their pets, but they can lead to a liability claim if they were to bite another person. This could be a visitor that enters your home, someone on your property, or even if your dog gets loose. Your homeowners insurance should have liability coverage that protects you in this legal situation. Not only will it cover the medical expenses of the person that was injured but it will also cover the legal fees. Just make sure that there are not any exclusions for specific breeds of dogs. 

Tree Damage

A heavy storm is all it takes to knock down a tree outside your home. If that tree ends up falling on top of your home, it can cause a lot of damage to the structure that needs to be repaired. Even if the tree doesn't hit your home, it can hit a surrounding structure like a fence or shed, or destroy a deck. Find out if your homeowners insurance has coverage for incidents involving falling trees to make sure you're covered.

Identity Theft

It's possible that you can get coverage for identity theft through your homeowners surance. This is an add-on that you will have to pay additional money for, but it can give you peace of mind if you have concerns about identity theft. The coverage will typically pay for costs associated with restoring your identity, legal fees, and even lost wages that you incur due to fixing the situation. 

Food Spoilage 

Worried about what happens to all that food in your refrigerator or freezer if you have a power outage? You could be out hundreds of dollars when you add everything up, especially if you have expensive meat that thaws and goes bad. Thankfully, there is coverage for this unique kind of loss. Just make sure that the type of incident is covered by homeowners insurance before you make a claim. You may not have coverage if your refrigerator or freezer breaks down due to old age or neglect. 

Reach out to your homeowners insurance provider for more information about what incidents they may cover.