How much do you know about your home insurance policy? Do you know what your policy covers?

Most people expect home insurance to help them in the event of a fire or theft, but it might surprise you to learn about what you are covered for if you have a comprehensive policy. However, it's also important to know what's not covered by a standard home insurance policy.

Here are nine things your policy coverage includes:

Spoiled Food

In a blackout, there's no electricity to power your refrigerator and freezer. If the outage lasts for an extended period, your refrigerated and frozen food may thaw and spoil. Many home insurance policies provide coverage for spoiled food, allowing you to file a claim and restock the icebox once the power returns.

Identity Theft

Although basic coverage for identity theft and online fraud is widely available as part of a home insurance policy and has been for about a decade, condo dwellers and homeowners may not be aware of them. Many policies provide coverage for legal fees, mail costs, and lost wages if you miss work as a result of identity theft.

Theft While on Vacation

In the unfortunate event your home is burglarized while you're away, and thieves make off with your possessions such as your electronics and other valuables, your home insurance will cover the losses. Moreover, it will cover any belongings stolen from your car that's parked in the garage. If you want additional coverage to protect yourself while on vacation, that's when a travel insurance policy will help.

Your Parents' and Kids' Belongings

If your parents live in an assisted living facility and depend on your financial support, your home insurance may cover their belongings. Likewise, many policies can cover your adult children's belongings while they're living away from home to study at a college or university. Also noteworthy for post-secondary students living in a dormitory or apartment, a tenant insurance policy is a smart and affordable way to get complete protection.

Stolen or Damaged Bikes

If someone steals or damages your bicycle, your home insurance may cover your loss (up to a specific limit), and that includes if your bike wasn't on your property at the time.

New Door Locks

If someone breaks into your home, it's sensible to replace all of the locks on your exterior doors. Your home insurance policy may reimburse you for replacing your door locks after someone steals your keys or breaks into your home.

Liability Coverage

If someone visiting your home suffers an injury while on your property, you may be in for some trouble. Home insurance can help cover the cost of defending yourself in a lawsuit and paying out claims. Home insurance liability coverage can also include your kids and pets. If your son or daughter accidentally breaks your neighbour's window while playing, or your dog attacks a delivery person (some breeds may be excluded), your policy may help pay for those damages.


A home insurance policy covers more than your house. Any detached garages, sheds, or gazebos may also fall under your policy's protection. That protection extends to your property too. For instance, home insurance usually covers trees, hedges, lawns, fountains and other landscaping features up to a limit in your policy.


Bet you didn't know gravestones and urns are often covered by home insurance, even if they're not on your property. Whether the headstone is stolen, vandalized, or damaged, your home insurance may cover the cost of replacing one if it happens.

Are You and Your Family Covered?

Home insurance protects you, your family, and your house from the expected and unexpected circumstances. Read the details of your existing policy to know what you are and are not covered for, and then compare it to other policies and premiums to ensure you have the coverage your family needs.


The RATESDOTCA editorial team are experienced writers focused on sharing stories and bringing you the latest news in insurance and personal finance. Our goal is to provide Canadians with the information and resources they need to make better insurance and financial decisions.

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