Your homeowners insurance policy is more protective than you think.  

When you have to pay for something like insurance, it’s important that you take advantage of all of the benefits that you can. While many homeowners know that coverage provides protection after a home fire or theft, there is so much more coverage than some realize. If you’ve got homeowners insurance, here are a few things you may not have realized are covered under your policy.
Spoiled Food
Most homeowners policies will cover the loss of up to $500 in food if you have a power outage and your fridge or freeze stops working.
Dog Bites
If your dog bites someone and causes that person injury, your policy should cover that person’s medical expenses even if the bite didn’t happen on your property. Many policies also cover legal expenses if that injury results in a lawsuit.
College Student Property
Your policy should cover anyone in your household as well as anyone under 24 who is attending college full time. If your studying student lives in a dorm and took expensive belongings such as a TV, smartphone, and laptop, your policy can cover the loss of such items in a dorm fire or theft or more.
Identity Theft
Being a victim of identity theft can be very scary and stressful. Luckily, many homeowners policies will reimburse you for expenses that you incur when trying to resolve an identity theft case. From travel costs to wages lost to attorney’s fees, your policy can help to make this situation as easy as possible.
Now that you get more coverage than you thought from homeowners insurance , be sure that you secure the right policy with reliable insurers. Contact  the California experts, McCarty Insurance Agency for all of your insurance needs in Fresno and surrounding cities.