If your roof is damaged by high winds or your home catches fire, you surely expect that your homeowners insurance policy will cover the resulting damage. However while these types of coverage may be rather obvious, there are many perils covered under your home insurance which may not be quite so obvious. In fact, you may be surprised to learn about some of the perils that are covered under a standard homeowners insurance policy.

Food Loss

Unfortunately, there really isn't much you can do to prevent a power outage. If the power in your home goes out due to severe weather or damage to electrical equipment, you may have to worry about your food supply spoiling if the power is not restored quickly. What you will not need to worry about is the cost of replacing this food if it does in fact spoil. This is because many standard home insurance policies will provide coverage for food loss that results from an extended power outage. 

Hotel Costs

When dealing with major repairs to your home, there is a good chance that you will need to vacate your home until after these repairs have been completed. If these repairs are the result of a covered loss, your homeowners insurance policy will also cover the cost of your hotel until you are able to return home. In fact, many insurance companies will even provide you with a daily stipend to help cover the cost of food and other necessities during the time you are displaced from your home. This coverage can be extremely beneficial since even a few days away from home can become an expensive ordeal. 

Theft From Your Vehicle

If someone breaks into your home and steals some of your belongings, it will probably come as no surprise that you can file an insurance claim for your loss. But what if these items were stolen from your vehicle instead of your home? Surprisingly enough, your homeowners insurance policy may still cover this loss. In fact, all of your personal belongings that are stored in your vehicle are covered under your home insurance policy even if your vehicle is not at home at the time the theft occurs. This means that if someone breaks into your car and steals your belongings while your vehicle is parked at the local grocery store, you can file a claim against your homeowners insurance for this loss. 

Contact an insurance agency near you for more information about homeowners insurance.