Insurance agents and brokers know well the most common causes of damage or loss at home: fire, weather events and theft top the list. But home insurance policyholders may be less familiar with the unusual losses that also are covered by their insurance. "Most people don't know they have coverage for a drone and even for damage caused by meteors," Insurance Information Institute Spokeswoman Loretta Worters says in a recent Consumer Reports article. The article goes on to outline a half-dozen unusual losses that are covered by homeowners policies. These scenarios are outlined in the slideshow above. There's a reason unusual losses are not well-known: They account for as few as 2% of all home insurance claims. According to III, just over 98% of homeowners insurance claims filed in 2017 were due to property damage or theft. It's also worth noting here that some potentially costly losses, such as damage from flooding, sinkholes or mold, are excluded from traditional homeowner's policies and therefore require additional coverage. Homeowners who live in flood zones or especially damp climates would be wise to explore whether their properties should have additional insurance besides their traditional homeowner's policy. See also: |

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