7 household items you don’t insure, but have to

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Certain household things skip our attention. The moment we find some leaks in the basement, insurance company is our first refuge; we cannot afford big fat bills. Now that homeowner’s insurance covers every valuable that’s vulnerable to short circuits, repairs and theft, what about the smaller things that matters a lot?

Real world has 7 household items in its bucket list you don’t insure.

Your pet dies in an accident

My pug was enjoying a princely attention at spa. She was shampooed, massaged and groomed the other day. Unfortunately, she died in a hit and run accident. Such a loss and moment of grief! I wouldn’t be able to find another furry darling again, but I did the needful still.

I heard about pet’s accidental death being covered by home insurance. I checked out if it goes with mine.

“Pet’s accidental death is covered by home insurance”

Home improvement insurance apart, we never look into, how important RECREATIONAL EQUIPMENTS are…

Recreational vehicles covered

What if your yacht is wrecked by floods? Years and years of hard work involved, you cannot take your RV for granted. This is where, we get totally distracted. Small things count very much and it goes on and on – snowmobiles, jet ski, kayaks, and any crafted boat for that matter could be insured under homeowner’s insurance.

Value being under $10,000 crafted recreational vehicles is covered by home insurance. In case of lump sum investments as motorized boats, damages tend to be severe, so BOAT INSURANCE should be availed.

Trailers INC! Trailers are the portals of recreation. In many states, TRAILER INSURANCE is offered if the value is around $30,000.

Food spoiled

You come back home only to raid a refrigerator that had stopped working 7 hours ago. Ugh! Yeast infested salmon steak gets you started. In Canada home insurance covers food spoilage. Singaporeans are finicky about claiming for food spoilage. So, why don’t we?

Electronics/Computer and accessories

Computers might be for personal or business purpose. Once the basement is flooded, the rest happens. Also, computer becomes one of the 7 household items that’s not insured. They should be insured or covered by home insurance.

(pictures courtesy: WWW)