Surprising things your home insurance may cover
3 Minute Read
Summary
- Home insurance may cover unexpected losses such as landscaping damage, spoiled food, and stolen items from your vehicle.
- Additional protections include coverage for equipment breakdowns, travel medical emergencies, and identity theft‑related expenses.
- CAA Insurance also offers legal expense coverage, helping with costs related to audits, disputes, or injury claims
Home insurance isn’t just for the big stuff like fires, floods or burglaries. It covers a host of unexpected and sometimes quirky situations. But what does home insurance cover?
From your favourite electronics to your prized shrubs, your policy might have hidden perks you didn’t even know about.
Here are eight surprising things your home insurance could cover.
Your lawn and garden
Got a green thumb? The good news is that most insurance policies will cover damage to your landscaping caused by fire, lightning or vandalism.
If your carefully nurtured lawn or prized oak tree takes a hit, your policy may help cover the loss.
Busted appliances and broken systems
Picture this: you’re sitting down for a family movie night when your television won’t turn on after a recent power outage and a subsequent voltage spike. Home insurance provides coverage for the cost of repairs or replacements, helping you avoid unexpected expenses.
Consider CAA Home Equipment Breakdown Coverage²; it protects major systems and appliances from mechanical, electrical or pressure-related breakdowns, so your home stays up and running no matter what.
Legal costs
Nobody likes the idea of being audited or sued, but it happens. Luckily, CAA Insurance offers Legal Expense Insurance³ that may help with costs if you’re pursuing or defending an accepted claim.
Whether it’s a disagreement with a neighbour over where your property lines sit, a botched home renovation, if someone caused you bodily harm or being notified that you are getting audited by the Canadian Revenue Agency, CAA’s Legal Expense Insurance can help you with the costs and provide support for your legal matters.
Travel medical emergencies
What if your home insurance could follow you on vacation? CAA Insurance makes it possible with Emergency Travel Medical Insurance⁴ included in all property insurance policies.
Benefits of up to $5 million may cover expenses if you experience a sudden accident, sickness or injury while away from home.
Identity theft protection
In today’s digital world, identity theft is a growing concern. By getting identity theft coverage, you can protect yourself from the financial impact of such incidents.
Covered expenses may include credit report fees, lost wages due to meetings with law enforcement, legal counsel fees, and more.
Spoiled groceries
Extended power outage? No problem. Many home insurance policies will reimburse you for spoiled food if your fridge or freezer shuts down due to a covered cause.
Keep an itemized list of what you’ve lost; your favourite foods might not be gone for good.
Stolen items from your vehicle
If thieves have taken your items, such as your laptop, headphones, or gym bag, you might wonder if you're out of luck. The good news is that home or renters' insurance can cover stolen belongings, even if they were taken from your vehicle. From protecting your lawn and garden to covering legal expenses and spoiled groceries, your policy could offer a safety net for various situations.
While coverage details vary from one policy to another, reviewing your home insurance and exploring additional options is essential to ensure you’re fully protected. Don’t hesitate to ask your provider about your home insurance.
1 Property Insurance is underwritten by CAA Insurance Company. Certain conditions, limitations and underwriting guidelines apply.
2 Home Equipment Breakdown coverage is underwritten by CAA Insurance Company. Claims administered by FM Boiler Re.
3 CAA Legal Coverage is underwritten by CAA Insurance Company. ARAG Legal Solutions Inc. (ARAG) acts as the insurance manager and has the authority to administer claims on behalf of CAA Insurance Company. CAA Legal Coverage is included on home policies. Please see policy wordings for coverage details. Coverage is subject to terms, conditions and exclusions for the Legal Expense Insurance policy.
4 Emergency Travel Medical Insurance is underwritten by CAA Insurance Company. Claims are administered by Global Excel Management. Emergency Medical Travel Insurance is included in Property Homeowner policies underwritten by CAA Insurance Company.
5 Up to $5 million CAD. Maximum $25,000 for all Emergency Medical Insurance benefits for Canadian residents without active Government Health Insurance Plan (GHIP); and/or without GHIP authorization to cover 4 “days” per “insured”, per “trip” outside of Canada or up to 365 “days” (with “GHIP” approval) for “trips” entirely within Canada
®/™ CAA trademarks are owned by, and use is authorized by, the Canadian Automobile Association.
