Home insurance is necessary to protect one of the largest investments you’ll make in your lifetime. Homeowners purchase coverage to protect their homes and belongings from unfortunate events, all the while hoping they’ll never have to file an insurance claim.

If your house is damaged by common occurrences like a fire or mold, it’s likely that your homeowners insurance policy will cover the cost to repair it. But what if the damage results from something less common, such as mold or a dog bite? Chances are you’re also covered.

Homeowners insurance policies vary, as do state laws, but typical policies cover many atypical claims. Here’s a look at unusual things which your homeowners insurance should cover.

Odd Insurance Claims

Not all of the insurance claims we see are common like fire or wind damage. Read on to learn about some unusual insurance claims which are likely covered by your homeowners policy.

Dog Bites

The CDC reports that millions of people are victims of dog bites each year, with more than 50 percent of the bites occurring on a dog owner’s property. It is possible that your homeowners policy will cover the medical bills or loss of wages for someone bit by a dog, cat, snake or other domestic animal on your property.

Stray Bullets

Let’s say you suffered a small water loss caused by gunfire. Sounds unbelievable, but it has happened before! Imagine the surprise when a stray bullet ricochets off an adjacent building and strikes a sprinkler line in your wall, causing water damage. You are potentially covered by your homeowners policy for any damage that occurred.

Lighting Strikes

Don’t think lighting can strike the same place twice, think again! Homeowners who have been unlucky enough to have their home struck by lighting, may suffer damage to electronics, cause fires, and more. If you find yourself in this situation, your homeowners policy may have you covered.


The news has reported sinkholes across the United States suddenly occurring and swallowing homes whole. Sinkholes can cause significant damage and be extremely dangerous depending on its size. From structural damage to the home, to foundation damage, and even landscape

Contact R&R Insurance for Advice

If you are ever concerned about your amount of coverage, or need answers to questions about an atypical claim, our agents are experienced and trained to help you every step of the way.