Most of us know that our homeowners policy will cover the cost of a sudden loss or accident, but here are some lesser-known homeowners insurance benefits.

1. Pet Attacks

Many policies include liability to cover situations where your pet displays exuberant loyalty.

2. Storm-Related Damage

Your homeowners policy may pay to fix damage to your roof from debris or to replace the food in your fridge after a power outage.

3. Upgrades After a Loss

Your insurance company may pay to bring your home up to code after you file a claim for damages.

4. Far Away Family

When your children go to college, part of your coverage may go with them.
Talk to your insurance agent to discover the total scope of your coverage.