Three Things You Didn’t Know Your New Jersey Home Insurance Would Cover

Homeowners insurance is vital to the protection of your investments. In addition to basic security, there are a few surprising benefits that these plans can offer. Here are three things you didn’t know your home insurance could cover.

Wine Collections

Your home insurance in New Jersey may protect that Pinot Noir and salvage spirits that you have collected over time. Wine is probably not the first thing that comes to mind when purchasing a policy, but wine collections can be worth a great deal of money. In the event of a loss, this coverage can be highly beneficial.


If you experience a power outage for a significant amount of time, you are likely to end up with a fridge and freezer full of spoiled provisions. Typical home insurance includes coverage for major appliances, but you may be surprised to learn that this protection can extend to the contents within. Before you shrug off the loss, check your policy to see if there is an allotted amount for damaged food. You may be able to replace your groceries!

Interior Design Services

You forked over the funds to design the perfect living room, and true to Murphy’s Law, a fire broke out shortly after the project was completed. If you paid an interior decorator to furnish and adorn your house, some types of home insurance in New Jersey may allow for payment to a designer to redecorate the space.

Explore Your Options

If you don’t know what is covered, you might not make a claim if you have a loss. Whether you’re in the market for insurance or presently carry a policy, look into these potential perks to make the most of your benefits.