🤯 Akala Mo Lang Hindi Covered: Surprising Things Home Insurance Can Pay For

When we hear home insurance, most people think:
“Ah, pang-sunog lang ‘yan.”
But surprise! — it can actually do so much more.

Especially during the rainy season (hello, bagyo at baha season sa Pinas), a good home insurance plan could save you from a ton of gastos you didn’t see coming.

Let’s bust the myth and break down the surprising things home insurance can actually cover:

🧱 1. Roof Leaks and Ceiling Damage

Yes, bestie. Pag bumaha ang bubong mo at may tumutulo sa kisame?
Covered 'yan kung may Acts of Nature or Typhoon coverage ang policy mo.
That includes labor and materials for repair. 🙌

🔌 2. Electrical Fires or Short Circuits

Heavy rains can cause surges or short circuits—especially in older homes.
Home insurance can help pay for:

• Repairs to damaged outlets or wiring

• Replacement of appliances damaged by sudden surges (TV, fridge, washing machine)

🛋️ 3. Water-Damaged Furniture or Appliances

If rainwater leaks through windows or floods enter your home,
you may be able to claim for:

• Soaked sofas

• Swollen cabinets

• Water-damaged electronics

📸 Just make sure to document everything with photos!

🔥 4. Fire Even During Rainy Season

Yes, ironic—but many fires still happen during tag-ulan due to faulty wiring or overloaded outlets from people staying indoors more.
Covered na covered ‘yan, as long as the cause is accidental.

🏡 5. Temporary Relocation (Some Policies)

In case your home becomes unlivable due to damage (like ceiling collapse), some policies cover hotel stays or temporary shelter costs.
(Usually under more premium plans—but still worth asking your insurer!)

🚫 But Wait—Some Limitations Too

⚠️ Not all policies are created equal.
Check:

• If your policy includes Acts of Nature / Typhoon

• If personal belongings are included

• If there's a deductible (i.e., out-of-pocket before claims apply)

💡 Pro Tip: Ask your insurance advisor about “Fire + Allied Perils + Acts of Nature” for complete peace of mind.

🐾 Richie’s Corner:

“Don’t wait ‘til the ceiling drips on your pancit canton!
Ask about your coverage now. Also, I hate wet pillows. 🐶☔”

Final Bark (a.k.a. Takeaway)

Home insurance isn’t just for disasters you see in the news.
It’s for the real, everyday “uh-oh” moments you never planned for.

So next time it rains and you hear a tik... tik... tik from the ceiling—
don’t panic. Check your policy.

And if you don’t have one yet?
We got you. Message Ancio for a quote. 🏡💚