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Does a homeowners' policy cover a daughter at college in an apartment?
Wiki User
∙ 8y ago
Probably not-- she's in a "new home," get a new policy.-- Renter's Insurance is generally cheap and easy to come by. Dorms are different, however, and I'm not sure how they equate.
The most common homeowner's policy is the standard HO-3. Under the section listing covered perils for contents, theft is listed. Regarding theft, it states the following, "Property of a student who is an "insured" is covered while at a residence away from home if the student has been there at any time during the 45 days immediately before the loss." For other covered perils, such as fire, there is no such limitation. The only question is whether or not the student qualifies as an "insured". To be an "insured", the student would need to be a resident of your household who is a relative. Therefore, if the student still spends some part of the year, such as the summer, in your household, they would qualify as an insured. If they stay at school year round, they might not qualify as an "insured".
Using the above quote from the HO-3 form... if you want them to be insured... have them come home every 45 days.
Wiki User
∙ 8y ago
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If you fell on your apartment stairs is this covered by homeowners insurance?
Usually not. Your apartment building will have a master insurance policy in which this is covered under liability. Now, if someone falls inside of your four walls of your apartment, you can cover this under your rental insurance liability portion of your policy. A normal insurance company can get you a policy usually pretty reasonably priced.
Is a homeowners policy a multiline policy?
No, Homeowners policies are considered Mono-Line
Does a homeowners insurance policy have to have the name of the current owners on the policy?
Yes, of course. The current owners on the policy have to pay for the insurance policy, This is why this policy states that it is a homeowners policy.
Does homeowners insurance cover stolen items at college?
If you have off premise coverage on your policy and the stolen items were scheduled on your homeowners insurance policy then Yes, you should be covered for those items. Contact your insurance agent for clarification of your insurance coverage.
Will AAA homeowners insurance policy cover overflow of water from sink?
No. This is not a covered cause under a homeowners policy. This is something that was caused by the homeowners neglect which is not covered under the terms of the policy.
Will homeowner's insurance that I have cover stolen scooter in my name even though it was parked in front of daughter's apartment?
Coverage for small vehicles like that really varies from policy to policy. In my experience motorized vehicles that are street legal are not provided coverage by homeowners policies. Golf carts, ATV's (not hitched to a trailer) , Riding mowers etc.. are provided coverage.
Does homeowners insurance cover demolition?
Yes. That is covered on a homeowners policy.
Does homeowner insurance cover a daughter renting a room that dies accidentally?
I don't really understand what you would expect the homeowners policy to pay for in this situation. Homeowners insurance is not life insurance and does not provide any type of such coverage.
Does a standard homeowners insurance policy cover the death of the insurer?
No, Homeowners Insurance does not provide the coverage of a life insurance policy.
What does homeowners insurance cover?
The basic structure of a homeowners policy looks like this:
What percent does one get on stolen goods on homeowners policy?
The answer depends on the policy.
Does homeowners cover removal of honeybees?
No. Damage from insects would not be covered on a homeowners policy.
