7 Freaky Home Threats ... Are You Covered?

Most homeowners don't think about their property insurance all that often because it's common to enjoy the security of knowing that your insurance company has you covered.  But is that really true?  Are you covered for those unusual, unlikely situations that you think will never happen to you?  Here are 7 freaky home threats that you should makes sure to be covered for.  The unlikely hood of them occurring is high, but if it does occur, you want to be sure to be covered!

1. Flood.  Although this one is fairly common, it is the most common calamity not covered by a standard policy, which many homeowners discover the hard way.  Flood insurance can be purchased from most insurance agents, but it is underwritten by the federal government and provided in policies separate from your homeowners insurance.
2. Mine subsidence.  Mine subsidence isn't covered by regular insurance; insurance for this must be obtained through a special program run by the state, at an average cost of around $250 per year.
3. Volcanoes.  Surprisingly, many homeowners policies will cover damage from volcanic eruptions.  This coverage is usually limited, however, to damage caused by the material that comes out of a volcano, such as lava and ask.
4. Meteors, comets and space debris.  If the worry of your home being leveled by a meteor keeps you awake at night, you will be happily surprised to know that you'll probably be covered.  It's rare for policies to specifically exclude this type of damage; it's generally covered under the "falling objects" heading.
5. Stampeding animals.  Most homeowners policies will cover damage to the dwelling cause by animals you don't own or keep.  But keep in mind; some policies distinguish between domestic animals and wild animals.
6. Landslides.  Most homeowners policies, even if endorsed with earthquake coverage, will not cover landslides.
7. Sinkhole collapse.  Coverage will vary plan to plan, depending upon whether your insurance company lumps it in with the general category of "earth movement," so check with your agent.

Information provided by MSN Real Estate.

Although the majority of these freaky home threats are unlikely to occur in the state of Wyoming, it is still important to take them into consideration.  Use this as a reminder to take a look at your home insurance policy and make sure you're covered for any loops life may throw your way!