You probably pay your home insurance policy every year without thinking much about what, exactly, benefits it provides. That can be a big mistake. While you don’t want to make filing claims a regular habit, a careful review of your policy may uncover benefits you are underutilizing. Here are a few of the most common examples of home insurance coverages that many people aren’t aware of.

Temporary Housing

In the event of severe damage to a house, you may need to seek temporary shelter during the rebuilding or remodeling process. Some home insurance policies provide coverage for this if your house is inhabitable. In certain situations, such as when the power is out for extended periods of time, you may also be able to claim food spoiled due to lack of refrigeration.

Medical Expenses

Why pay for something you don’t have to? For example, if someone is injured in your home, their care may be covered under your home insurance policy.

Property Damage

Did you know that your policy may cover personal property that is stored off-site? That’s right, personal items that are stolen while away from the property — from a vehicle, for example — or damaged while in a storage facility are also covered under most homeowner’s policies.

Your homeowner’s policy isn’t just for emergencies. Be aware of all the coverages available through your policy to ensure you get the most out of it.