Five More Things You May Not Know Your Orlando Home Insurance Policy Covers

In the last post, we talked about five things you may not realize you Orlando home insurance covers. In this post, we’ll cover five more. Some are very unlikely in Florida, while some may get your attention.

Here they are in no particular order:

Animal Bites/Attacks on Your Property
Over half of the nearly 5 million dog bites that occur each year take place on the property of a dog owner. Of these bites, about 800,000 lead to someone heading to the emergency room, walk-in clinic or primary care provider’s office. In fact, animal bites (specifically, dogs) are in the top three most common incidents that result in a claim on a homeowner’s policy.

The good news for homeowners, and dog bite victims, is that most policies cover the bill for someone who is bit by an animal (domestic animals like cats, snakes, dogs, etc.) to a max of somewhere between $100,000 and $300,000. According the Insurance Information Institute, the typical dog bite fetches a $25,000 medical bill. However, if the medical bill exceeds your coverage, you are personally required to cover the difference.