(BPT) - When it comes to insurance, most people know the obvious things that are covered: car accidents, house fires or theft. But it can go beyond the basics, protecting you from disasters that could otherwise leave you with huge, unexpected bills.

Here are six everyday scenarios that insurance may cover.

1. Water backup from a clogged sewer line

Imagine hosting a dinner party when suddenly, your bathroom floods thanks to a backed-up sewer line. It's messy, expensive and most likely not covered by a standard homeowner's policy. Water backup coverage is designed for just this situation. It helps cover the cost of water damage caused by backed-up drains or sump pump failures.

2. Your furnace quits during a winter cold snap

A sudden breakdown of equipment in your home can be inconvenient and expensive. When your furnace suddenly stops working due to a mechanical or electrical failure, Mechanical Breakdown Coverage could step in. Mechanical breakdown covers repairs or replacement for essential systems like heating, cooling and even kitchen appliances.

3. A tree falls on your car during a storm

You park your car in the driveway, and a sudden windstorm sends a neighbor's tree crashing down on it. Is it covered? Yes, if you carry comprehensive auto insurance. But what if your home is also affected by the storm? If your auto and homeowner's policies are bundled, you may benefit even more. Bundling can streamline the claims process, reduce paperwork and unlock potential discounts. And with Acuity, you only pay one deductible instead of separate deductibles for your home and car, making recovery faster, easier and even more affordable.

4. The water line running to your home bursts

Many homeowners don't realize they are responsible for the underground piping and wiring that runs from the street to their home. Service Line Coverage may help pay for excavation, repair and even landscaping restoration after a covered service line failure.

5. A storm damages one side of your home's siding

Consider this scenario: after a strong storm, your homeowner's policy pays to replace the damaged siding on one side of your house. Only then do you find out the new panels don't match the rest. This can occur because of fading, discontinued materials or color variation, and the mismatch can be frustrating. Matching Siding Coverage helps cover the cost to replace undamaged siding, so everything matches. Acuity's endorsement includes trim, shutters and fascia, ensuring your home looks just as good as it did before the storm.

6. You wire money to a scammer

You receive an email that looks like it's from a legitimate business requesting payment. You wire the money, only to find out later the email was fake and the funds went to a scammer. Cyber insurance can help protect against personal wire fraud by covering financial losses and providing support to investigate the incident. With Acuity's Cyber Suite, you also gain access to tools and resources that help safeguard your identity and prevent future scams.

There's a standard homeowner's policy and then there's real life. While standard home and auto policies are absolutely necessary, your insurance company should care enough to cover you for more. Acuity's thoughtful coverage options show that they understand real-life risks. So next time you wonder, "Would my insurance cover this?" know that with Acuity and the right coverages, the answer could be yes.