We often warn readers about the surprising things not covered by a basic homeowners insurance policy, but this post is about some of the surprising things that are covered. Read on to learn more.

Spoiled Food -- If there’s a major disaster that causes a long power outage and all that meat you’ve stored in your freezer goes bad, your homeowners insurance would reimburse you for that loss up to a certain limit outlined in your policy.

Students -- If your child is away at school and living in a dorm, most of his or her personal property is protected under your homeowners insurance policy. If your child lives in an apartment, however, be sure to purchase a separate renters insurance policy.

Miscellaneous Accidents -- Because homeowners insurance is basically a general liability policy, it may cover accidents that occur outside of a home, such as if someone slips and falls on your property or someone in your family is involved in a bicycle accident.

Bringing Your Property Up to Code -- If you suffer a loss, like a fire, and laws created after your home was built require sprinklers, insurance would cover the sprinkler installation during the rebuild. There is a cap in the cost the insurance company would take on, however.

Although most of these things are covered by most homeowners insurance policies, always make sure you speak to your insurance agent about the particulars of your homeowners insurance policy. You need to make sure you need to know what’s not covered. For example, most basic homeowners policies don’t cover damage from floods, earthquakes, normal wear and tear, or things that break due to old age.

Please contact us with questions about your policies.

J.K. Olivieri Insurance Agency, Inc. is an independent insurance agency founded in 1979 which represents a number of major insurance companies. Our mission is to protect our clients’ financial future. We feel our role as an insurance agency is to assist our clients in selecting the best possible programs to fill their specific needs. In doing so, we shall research and present our clients with the best possible programs available at the best possible prices.




J.K. Olivieri Insurance Agency, Inc.
64 East Grove Street
Middleboro, MA 02346
Phone: 508-947-1818
Phone: 508-580-0781
FAX: 508-946-1162

Hours: 8:00am - 4:30pm M-F  

You can contact us at: This email address is being protected from spambots. You need JavaScript enabled to view it.


Holiday Hours:    

11/24/21       Thanksgiving                     Closing at 3pm

11/25/21       Thanksgiving                     Closed

11/26/21       Thanksgiving                     Closed

12/03/21       Office Christmas Party      Closing at 3pm

12/24/21       Christmas Eve                   Closed

12/31/21       New Year's Eve                 Closed