By signing insurance policies for your home, car and health, you might have gotten yourself more coverage than you’ve bargained for. According to a veteran insurance writer, there are several obscure coverages most beneficiaries might not realize they qualify for.

MSN Money rounds up the oddities:

*Tombstone damage. Often included in homeowners insurance policies, this covers the damage a vandal might do to a loved one’s grave marker.

*Massage. If you can convince a doctor or chiropractor to prescribe you the treatment — say, for an accident or injury — you could be in for some free rubdowns.

*Locksmiths. If you’ve got roadside assistance coverage with your auto plan, you could be covered if you lock your keys inside your car.

Insurance you didn’t know you had [MSN Money]

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