You know you can insure your car and home, but how deep does insurance coverage really go? Rodent damage, dorm room contents, spoiled food and more. Did you know you can get all of this insured and more? 

Check out our list — and don’t forget to check with Gabi to see what you can save on home and auto insurance.

10. Dorm room contents

Did you know your homeowners insurance policy can provide coverage for dorm rooms and their contents? You could check on coverage for repair costs, medical payments, legal fees and personal property when your child goes off to college. You might want to check on adding to your policy for expensive or high-value electronics like computers and video game consoles. Just remember that your college student must keep your home as his or her primary residence.

9. Missiles

Say… what? Comprehensive car insurance covers missiles, that is. Hopefully you only need to worry about giant icicles hanging from your garage or the creaky old elm that threatens to drop after every thunderstorm… but just in case, know that you’re covered in case of a missile strike. 

8. Spoiled food

You know spoiled food can occur if your fridge conks out. But did you know your insurance might cover the cost of the food inside. Check into your insurance policy and find out how much your insurance might cover you. You never know when you might need it!

7. Lawns and landscaping

Of course your homeowners insurance policy may provide coverage for your perfectly manicured lawn, including your plants, trees and shrubs. Homeowners insurance policies might even remove damaged trees from your property if your home gets hit by a covered peril.

6. Falling objects

It’s a bird… It’s a plane… Well, whatever “it” is, if it falls on your house, your homeowners insurance may cover it. Let’s say a falling object hits your house, such as an asteroid (stranger things have happened!). Your insurer will pick up the costs if that happens to you.

5. Rodent damage

You may not give mice a second thought… until they gobble up the wiring in your car, make a nest in your back seats or decide they’d like to invade the fuzzy parts of your newly shampooed carpet. Who wants to pay thousands for mouse damage (shudder)? Auto insurance can foot the bill if one or more rodents decide they’d like to make your treasured ride into a mouse house. 

4. Potholes

Clunk, ka-chunk. Ugh, the dreaded sound of hitting a pothole. Even though running into a pothole equates to an at-fault accident, your collision coverage will cover the repairs to your car. 

3. Jewelry

You can get your possessions, including jewelry, covered. Document those possessions beforehand so your insurance company knows you have them in case they get lost or stolen. Gabi can show you how best to document that information.

2. Next-door disasters

What do you do when your neighbors home has been overtaken by a violent fire? You get out of your own home, of course. Coverage D – Loss of Use can cover you under your homeowners policy even when the issue occurs next door.

1. Wild animals

What happens if you leave home, a delicious pie sitting on the counter, and Yogi and Boo-Boo Bear decide to take a gander around your kitchen? They could cause some serious damage to just about everything! Your homeowners insurance covers the big critters, too — not just little animals like mice. 

It’s probably a one-in-a-million chance that this could happen, but it’s nice to know you’re covered. 

How to Get Insured with Gabi

Now that you know all the interesting ways you can protect yourself, here’s how to get insured with Gabi — whether you need those items above covered or not. 

Step 1: See if Gabi is right for you. 

There’s a good chance you’re already overpaying for home and/or auto insurance. With Gabi, you can put your current policy to the test and see a true “apples to apples” comparison against your existing coverage. Gabi saves customers $961 per year on average when buying a new policy. Gabi can help you find better rates on auto, home, renter’s, landlord and umbrella insurance as well as bundled policies.

Does it sound like it’s a good fit for you? Check out Gabi’s website for more details. 

Step 2: Get a quote.

Why not compare quotes? It’s quick, easy and doesn’t cost you a dime. Select your current insurance company, your name and other details. Gabi quickly tells you which insurance coverage fits you best, based on the coverage you need and how much you can save by switching carriers. You can choose when you want coverage to start and get an average policy cost right away. 

Step 3: Review your policy.

Add coverage and limits and any additional insureds and take a glance at your full policy details before you commit to your Gabi policy. You’ll see your full payment amount from there.

Step 4: Review and purchase.

Next, review and purchase! Pay via credit card and Gabi will store your payment information so you don’t have to worry about anything. Dust off your hands! You’re done!

Get Gabi Insurance Coverage Today

Gabi makes everything easy. It’s a full-service online advisor who compares all your insurance options to find you the right policy in under ten minutes. Gabi finds you the best insurance at the best price.

Gabi offers licensed insurance options in all 50 states and D.C. As a technology company, Gabi builds services to save people time and money with artificial intelligence and data learning. Gabi continues to refine and automate this process over time.


For more information, contact Gabi.  


Melissa Brock is the founder of College Money Tips and a full-time freelance writer and editor. She loves helping families navigate their finances and the college search process. Check out her essential timeline and checklist for the college search!


© 2021 Benzinga does not provide investment advice. All rights reserved.

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