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10 Unbelievable Events Homeowners Insurance Covers

Homeowners insurance can be a lifesaver when unforeseen events occur, but it's amazing what else homeowners insurance coverage can do for homeowners.

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Blue Ice

Never heard of blue ice? You may want to forget you heard about it after learning what it is. Blue ice is a nicer term for the chunks of frozen toilet waste that occasionally falls from airplanes. An open perils policy typically covers things that fall from the sky. To avoid toilet problems at home, be sure you never flush these items.

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Rotten Eggs

Food spoiled during a power outage is typically covered in a homeowners insurance police, usually around $500. See what you can do in 30 minutes to keep your fridge running and see what you should keep around the house that doesn’t need to be refrigerated.

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Volcano Eruptions

Natural disasters like a volcano eruption can be covered under open perils but other natural disasters like earthquakes need separate coverage. Use this how-to guide to prepare for severe weather and get prepared by knowing what to include in a storm kit.

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If headstones get damaged by someone tipping them over, homeowners insurance will pick up the cost to repair or replace if you’re the primary caretaker.

Find out why you need to change your locks to save on homeowners insurance.

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Deaths in the Home

If a murder, suicide or a death happens in the home, many homeowners insurance policies will pick up the cost of the cleanup. Check out ways to save on car insurance, too. 

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Digested Diamonds

The dog that slobbers over a tennis ball might actually have expensive tastes. A Florida lawyer represented a client whose dog had eaten its owner’s jewelry. The insurance company wanted to purchase the dog in an attempt to retrieve the jewelry. The insurance company claimed the dog with the jewelry was salvage, like a car, and wanted to the dog. But the dog stayed put and the company paid for the lost jewelry.

Keep your dog from lapping up luxury items with a digital dog dispenser and other awesome pet products.

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Rain on a Wedding Day

You don’t expect rain on a wedding day set in your backyard but if something quirky happens like a tornado or big storm and the event needs to be relocated, homeowners insurance could pick up the cost with moving the big day’s events.

Take a peak at a garden arch made for a backyard wedding or some of the sweetest castles around the world to take your sweetie for the honeymoon.

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O.J. Simpson’s homeowner insurance covered his $2 million legal bill for his civil trial in the case of Nicole Brown Simpson and Ron Goldman’s deaths. Umbrella coverage extends to defamation usually and wrongful death cases. Bill Clinton used umbrella coverage as part of the Paula Jones’ sexual harassment suit as well.

Make sure to avoid common building code violations so you stay out of trouble.

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Dave Gish


If a thundering herd of wildebeests are stirring up a cloud of dust toward your home, fret not about the replacement of destroyed objects in your home. Homeowners insurance will typically cover damage caused by wild animals.

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Riot or Civil Commotion

You’re happy that your team won the Super Bowl but maybe your some of your property didn’t make through the ensuing party that broke out up and down your street. Just hope things stay civil enough that a war doesn’t break out. Homeowners insurance doesn’t cover damage related to nuclear, biological, chemical or radiological attacks, according to the Insurance Information Institute.

Know the most common causes of home fires and which appliances you need to check regularly to prevent them.