Will Your Insurance Cover That Freak Accident?

Floods and earthquakes require special policies, but a lot of odd mishaps are paid for by homeowner's and auto insurance.
Stuff happens. That's why you need insurance--for your home, auto and an umbrella liability policy to protect you if you're sued. The good news is that homeowner's and auto insurance covers more than you might think. It's not just the obvious perils to your property, like fire, lightning, wind, hail or run-of-the-mill fender benders. Insurance can also pay off when the really unexpected happens.

Are you covered if a guest falls off your roof deck? If your punch bowl tips over into your grand piano? If the frisky terrier in your lap leads you to drive distracted? For details on these and other freak accidents where insurance did pay off,
Don't be afraid to ask directly, before you face a loss. Understandably, hearing about someone else??????s misfortune gets folks to wondering. "Customers call in to question unusual incidents all the time, saying, 'My friend just had a loss,' and asking, 'Would I be covered?'" reports Mario Morales, an underwriting manager with MetLife ( MET - news - people ) Auto & Home. Insurers and insurance agents don??????t mind such questions. "The best thing an insured can do is to contact an agent or company and periodically go over the coverage," Morales says.


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