If you have California home insurance or California renters insurance, you probably know the basic coverages of your policy. If your home is ever damaged, you know you can call your local California insurance agency to inquire about making a claim.

Image courtesy of roadandtravel.com

But there are certain situations where your insurance covers you, that you don’t even realize! If you are ever in these situations, your home insurance in California may cover your losses!

• When you are on vacation, you could be covered if your luggage is lost or stolen. This includes transportation and hotel employees!
• If you are playing a pickup game at the local ball park, and accidentally injure someone, your home insurance could step in and provide coverage!
• Your car is stolen while it contains valuable possessions.
• Your fridge and freezer full of food are spoiled after a long power outage.
• If you are on vacation and your cell phone or camera is stolen.

Did you ever think that your California home insurance covered any of these? The real lesson in this is: always ask your insurance agent if you are covered. Just because we are talking about home insurance doesn’t mean the damage has to happen on your property!

*