Home insurance coverage doesn't end at the structure itself.Furniture, rugs, clothes ... everything within the home is coveredas well.

And that's where things get interesting.

When it comes to homeowners insurance claims, it's rarely astraightforward case of covered or not covered. Insurers often haveto make judgement calls on reimbursements when faced with wildlyunique situations.

Insure.com recently gathered some of the more incredible homeowners insurance claimsstories. Check out their top 10 below.

1. Eaten jewelry

"Although animals are typically excluded from coverage, I had acase where a dog allegedly ate a piece of jewelry and the insurancecompany wanted to buy the dog at an unbelievably highprice. The insurance company claimed a right to salvageof the jewelry in the dog. This is typical to someproperty, like a car, if they pay for the value of thecar," says Chip Merlin, president of Merlin Law Group inTampa, Fla.

“After the owner refused, the insurance company continued in itsclaim that the dog with jewelry in it was salvage and demandedthe dog be turned over. I don't know for certain what they wereplanning to do with the dog, but the insurer quickly backeddown after a phone call from me. They paid for the lostjewelry, which may or may not have been sitting in the poor dog'sstomach."

2. A relocated wedding

"Under the ‘loss of use’ coverage, an insured was supposed tohave a wedding in their back yard for their daughter but because ofa fire, they had to move it to a hotel. We ended up claiming theincreased cost for having it at a hotel," recalls Diane M.Swerling, principal at Swerling Milton Winnick Public InsuranceAdjusters Inc. in Wellesley Hills, Mass.

3. Interior designer fees

"Consumers might not know that they can ask for decorator fees,which are covered if the insured did use a decorator before,” saysDick Burr, director of claims at Young Adjustment Co. inPhiladelphia. ”This can be quite a big expense that will beincurred again once repairs have been made, so we have requestedreimbursement for interior design fees several times."

4. Beanie Babies

"People have asked for just about anything,” says Burr. “At onetime, someone asked for $30,000 worth of Beanie Babies. Wecollected; however, today's new policies restrict that. We now haveto deal with hoarders. That is another world when you walk in andthere is nowhere to walk."

5. A dump truck

"We once got a full-size construction grade dump truck coveredunder personal property because it was not registered for the roadand the person legitimately used it to move firewood to and fromhis wood-burning stove,” says Greg Raab, manager at AdjustersInternational in Utica, N.Y. “Per policy language, it was covered,just like ATVs or lawn mowers that are used for propertymaintenance would be."

6. Spoiled wine

Ron Reitz, a public insurance adjuster and president of QualityClaims Management Corp. in San Diego, recalls, "We had aninteresting wine loss. The wine was heated to an approximatetemperature of 85 degrees for a period of 10 days after a backupand overflow of a sewage pipe caused flooding and other damage.”The repair crew used heat to speed up the drying process.

“Of course the effect of heat on wine is not good. We had achallenging time convincing the insurer of the magnitude of theloss since we were essentially arguing the value was gone becausethe wine could not be sold in a secondary market and it wasprematurely aged, but in the end, the client did getreimbursed."

7. Imported olive oil

"Expensive cooking ingredients such as imported olive oil arecovered at full value, as long as the homeowner is not running abusiness out of the home (i.e. catering, etc.). So if you'reshopping at Whole Foods, we recommend that you keep your receipts,”says Raab.

8. Pairs or sets

Losing one item in a pair or set doesn’t mean you have to livewith a mismatched set.

"If one of a pair gets damaged, then both have to bereplaced. I've seen this used to claim custom-made lanterns,antique candlesticks, etc.,” says Reitz. “I had a clientwho had some beautiful lighting on the walkway oftheir house. The lanterns were original and hard toreplace, but one of them was damaged in a storm. Well, youcan't just go out and buy one more, so the insurancecompany had to pay to replace both of them.”

9. Bug-repelling basement

"Years ago a client had a house fire at their 500-acre horsefarm. He had pesticide stored in the basement before the fire.After the fire, I noticed that swarms of flies would come in to thebasement and die almost immediately,” recalls Ronald Papa ofNational Fire Adjustment Co. in Amherst, N.Y. “We had experts fromCornell University examine the site. Although the shelf life ofthis chemical was only supposed to be six weeks, it turned out thatwhen it was heated by the fire and it dissolved into the concrete,it remained potent for months. This was also toxic to humans. As aresult, the house had to be demolished and rebuilt from thebasement up."

10. Marijuana

"Our client thought of himself as a green thumb and took togrowing marijuana plants in his attic. One day, the lamps got toohot, caught fire and took the whole home with them,” says Raizner.“The illegal plants were discovered after the blaze and theinsurance company refused to pay for damages. Our client wascharged in the incident but was able to plead the case down to amisdemeanor. The insurance policy [excluded] coverage for damagethat resulted from the commission of a felony, so while they were abit irked, the insurance company agreed to pay and the case wassettled."

11. Security

"Security service for your damaged home is covered underbuilding coverage,” says Burr. “These services can help keep outlooters who may steal items and cause further damage to theproperty. The insurance company usually pays for this so it can bevery beneficial to use these services."

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