When considering home insurance many people are so focused on saving money that they don’t take the time to actually review their policy to make sure it covers everything that they expect it to cover in the event of a claim. In California especially, homeowners tend to have the need for more specialized coverage.
I recently had a client who for 15 years was insured with a company they “thought’ covered the liability exposures of their trampoline.Even after I mentioned to her that I was pretty sure that her contract did not provide coverage for trampolines, her broker continued to tell her that she was covered. I did my research for her and called several other brokers who write business through the same company. She did NOT have coverage.
Make sure that when you are buying insurance you are purchasing coverage that WILL protect you. In this case it was in her best interest to get rid of the trampoline.