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Your home insurance policy in New Windsor, NY, is far more comprehensive than you realize. A common misconception is that your home policy only protects your residence, but its reach goes far beyond. Windgate Insurance Agency Inc. can help you understand additional protections when you are away from home.
Off-Premises Personal Property Coverage
This provision flies under the radar for many people. Your standard home policy includes a provision called off-premises personal property coverage. Your personal belongings, such as electronics, clothes, and the like, are protected from risks like fire or theft, even when you are not at home. For example, if your hotel room is broken into and your belongings are stolen, your home insurance policy can cover the loss.
Similarly, if someone smashes your vehicle window and steals items such as golf clubs or a laptop, either your auto or home insurance will cover the loss. Most insurance companies have a cap on off-premises property. Items lost or damaged outside the home usually have a cap of 105 of what your home policy would pay or $1,000, whichever is greater.
Worldwide Personal Liability Protection
You probably didn’t realize that your policy also provides worldwide protection, in certain circumstances, for medical bills, property damage, legal fees and other provisions when you are abroad. These provisions extend to many places you travel and can include medical bills, property damage and legal fees.
Your home insurance policy may also include coverage for college students away at school. The provisions for this are strict. Your student must live in a dorm or an apartment recognized by the college or university they attend.
Learn how your home insurance policy can protect you in various circumstances. Contact Windgate Insurance Agency Inc., serving New Windsor, NY, to learn more about this benefit.