5 Weird Home Insurance Claims That Are Actually Covered


Unexpected Home Insurance Coverage

Home insurance is designed to cover the unthinkable, from falling objects to terrorism to spontaneous combustion and more. But what happens if, say, your home is attacked by a stampede of goats? What about if your wine collection is spoiled? Or if your backyard wedding dreams are ruined by fire? Let’s find out.

1. Dog Ate My Jewelry

Dogs: they’re an insurance agent’s worst nightmare because of the enormous amount of damage they can cause. That’s why dogs are often not covered in home insurance plans. In fact, some dog breeds are banned by insurance companies because of the damage they cause. In this unique case, however, your umbrella insurance plan might cover the cost of your unsalvageable jewelry. An interview conducted by MSN Money introduced Chip Merlin, the president of Merlin Law Group, who helped one of his clients navigate an insurance claim when the client’s dog allegedly ate a piece of jewelry. The insurance company wanted to buy the dog at a high price and claimed the right to “salvage” the jewelry from the poor pup. In the end, though, the insurance company paid for the jewelry without buying the dog.

SEE ALSO: Uninsurable Dogs: What Everyone Ought To Know

2. Wine Gone Bad

While your regular homeowner’s policy might not cover much in the way of your wine collection, you might be covered by your umbrella insurance, or, not surprisingly, your wine collection insurance plan. However, the level of coverage depends on the situation, the conditions of your insurance plan, and the amount of wine you have. One wine-related incident involved the backup and overflow of a sewage pipe, which caused flooding where the wine was stored. Because the repair crew used heat to dry the area, the wine was in temperatures of 85 degrees for 10 days. In this case, there was some difficulties convincing the insurer of the loss, but the client was eventually reimbursed by their insurance company.

3. Weeding Out The Details

Just as there are legal and illegal acts, there are legal and illegal objects to have in your home. With the exception of Colorado, one of these objects is marijuana (unless, of course, you have a medical marijuana card). For illegal weed growers, this means that your home insurance will not cover damage to your product. But, the devil was in the details for one insurance company. A home insurance policy holder, who happened to have a number of illegal marijuana plants in his attic, ran into trouble when the lamps over the plants got too hot and started a blaze which burned the entire house down. The insurance company initially refused to pay because they did not cover felonies. When the policy holder was able to plead the case down to a misdemeanor, though, the insurance company begrudgingly paid.

4. A Stampede Of Goats

Homeowner’s insurance is meant to cover the unexpected, but will it cover a stampede? You’re in luck if you’re worried about a stampede of non-domestic animals or animals that aren’t yours ruining your house. Most homeowner’s insurance policies cover this type of disaster. Take, for example, a homeowner whose neighbor’s goats found their way into his home and began trashing or eating everything in sight. The house, and much of the items in it, was ruined. Luckily, insurance covered the damages because the goats were the neighbors and it was considered a stampede.

SEE ALSO: Home Insurance Advice: Why You Need Umbrella Insurance

5. I Can Hear The Bells

Backyard weddings are a fairly common occurrence. What’s not common, however, is the burning down of the house interfering with wedding plans. Luckily, if your house burns down and you were planning on having a wedding in your back yard, your insurance company might have to cover the wedding’s relocation, depending on the reason your house burned down and the writing in your “loss of use” coverage. One unlucky couple in Massachusetts had to relocate their wedding from the mother of the bride’s back yard to a nearby hotel because the bride’s parent’s house burned down. Luckily, because of the “loss of use” coverage her parents had, the insurance company paid for the relocation of the wedding. 
Date of original publication:
Updated on: November 10, 2015

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