There is a certain type of coverage option that is often included in a standard homeowners insurance policy that not many people know about. It is called good neighbor property damage coverage. For people who have them, and many of them, it will provide you with wonderful protection for damage to your neighbors home for which you will be held liable.

How it works? basic. Coverage is provided for damage to the neighbors of the house by cutting down a tree and smashing it into their fence. Or coverage is provided if your kids are playing ball in the front yard and a ball goes through a neighbor’s window. Surprisingly, coverage is provided even if your neighbor can prove that your children intentionally damaged their home.

Damage to your neighbors home caused by pets is also covered by this good neighbor property coverage. If your dog chews a hole in their fence or enters your neighbors’ home and destroys carpeting or furniture, you’re covered.

The amount of coverage offered varies from insurance company to insurance company but most coverage limits are between $1,000 and $2,000. The best part about it is that there is no deductible to pay when you file a claim. Simply call your insurance company and explain what happened. Sometimes you will have to get out of pocket to repair the damage, then wait for repayment. Other times, the check will be sent immediately once the damage to your neighbor’s home has been assessed.