What home insurance may cover
Home insurance typically provides coverage for various types of accidents that can occur in the home year round. But in terms of the above holiday feast-related snafus, what can you claim? Here’s what might be covered:
Damage to your home and personal property
The dwelling coverage of your homeowners insurance should cover the cost (up to your coverage limits) of repairing or rebuilding your home if a fire gets out of hand. In addition to covering your home and belongings under personal property coverage, your policy may cover additional living expenses, meaning it will pay for a hotel if your home is unlivable during the repairs.
Damage to other buildings
If you burn down your detached garage because of that deep-fried turkey, that would be covered under your Other Structures coverage, which is usually 10% of the value of your main coverage.
If a guest is injured on your property, your home insurance may cover their medical expenses, regardless of fault. This can include burns, cuts or injuries sustained due to slips and falls.
If you accidentally cause damage to someone else’s property while cooking, your liability coverage can help pay for the repairs. For example, if a grease fire damages your neighbor’s property, your home insurance may cover the costs.
Some home insurance policies provide coverage for the cost of spoiled food if a covered event, such as a power outage, leads to spoilage.