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Homeowner Insurance
Total questions 3800
What is the best way to compare homeowner's insurance companies?
from a General Agent Just contact an Independent agent. They represent many different insurance markets and are familiar with...
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Where can you get condo insurance?
Condo Insurance Condo insurance in some areas, has been growing increasingly scarce, but it is still available. To find the...
Popularity: 255 • Tools: Recategorize
How does having a pool affect homeowner's insurance?
Insurance and the Pool The question is this: Are you covered in liability in case of an accident or accidental drowning....
Popularity: 246 • Tools: Recategorize
What homeowners insurance companies do not discriminate by dog breed?
Homeowners insurance and Dogs The only way to find out is speak to agents in your area. You might also contact the state's Dept...
Popularity: 217 • Tools: Recategorize
Who is responsible for damage from a tree blown over in a storm?
Tree damage There is an "if" to that question as with many insurance issues. If the tree was normally healthy and the wind...
Popularity: 216 • Tools: Recategorize
Can you get home insurance after three claims?
from a General Agent Yes, you can still obtain insurance after 3 claims but depending on the nature of those claims you'll...
Popularity: 213 • Tools: Recategorize
Is it possible to get homeowner's insurance for 300 dollars a year?
Sure you can, but there are a lot of variables to consider: your credit history, the value of the home, where is it located,...
Popularity: 202 • Tools: Recategorize
If a pipe bursts in a city rowhome causing damages to neighbors' basements who is responsible?
The person who did the damage is, however, they would have a case against the city for not shutting it off quicker if he could...
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If your house is sinking will homeowners' insurance cover it?
Each major homeowners insurance policy will have its own earth movement exclusion, with the exception of Texas, where all...
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Are there cheap places in Houston to get dental work done?
The state of Texas has great dental coverage for the people who live in Houston. Dental Coverage is very important to have...
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Where can you find homeowners insurance that allows ownership of exotic pets?
An insurance company doesn't dictate what exotic animals a person can own, but they don't have to offer coverage. If you have the...
Popularity: 195 • Tools: Recategorize
Will homeowners insurance cover repair to a sinking concrete porch?
Homeowners policies exclude damage due to "settling, cracking, bulging, shrinkage or expansion of foundations, walls, floors,...
Popularity: 192 • Tools: Recategorize
Where can you get homeowner insurance quotes?
You can use Google and type in the search box "homeowner Insurance" or check with your state board of insurance for...
Popularity: 191 • Tools: Recategorize
Can the insurance show a claim from a previous owner of your home on your homeowners insurance record?
Essentially the insurance company wants to determine two things: 1) Are you a good risk? 2) Is your home a good risk? To...
Popularity: 190 • Tools: Recategorize
Can you get insurance for a home you are not living in?
Yes. The following types of Home Owners Policies may be what you need.. 1. Rental Property Coverage, 2. Vacant property Policy or...
Popularity: 190 • Tools: Recategorize
Does homeowner's insurance cover theft from a vehicle?
You may have cover under her household contents policy, if not there are 2 other places you could call. Her vehicle insurance...
Popularity: 188 • Tools: Recategorize
Can homeowner's insurance help if you were held hostage in a home?
No, Home owners Insurance would not be able to help you in a hostage situation. You should contact your local authorities or call...
Popularity: 185 • Tools: Recategorize
Can the insurance company inspect your home?
Of course this is "legal"-however you also have the right to refuse the inspection; this would likely result in rejection of the...
Popularity: 183 • Tools: Recategorize
Why is a trampoline in your yard a reason for your homeowners insurance company to cancel you?
Insurance companies consider trampolines to be an Extreme Risk, People are often injured (sometimes seriously) on them. The...
Popularity: 183 • Tools: Recategorize
Can one buy insurance to cover the structural integrity of a used home?
from a General Agent Yes,, Most homes sold in the United states and around the world are used. Just call your local agent and...
Popularity: 183 • Tools: Recategorize
Where can you get home insurance when you've had your policy cancelled due to a missed payment?
from a General Agent You can obtain a new policy from any insurer of your choice. Just make some calls or look online. If the...
Popularity: 182 • Tools: Recategorize
Should you use a home inventory program to assist in the event of a claim?
A pre-prepared contents inventory should be accepted by most insurance companies and you should keep it updated. Insurance...
Popularity: 179 • Tools: Recategorize
Do you need to sign a proof of loss statement if the appraiser and umpire decide the claim amount or just sign the settlement check to close the case?
Signing a Proof of Loss Statement You needn't do either as long as you have given the appraiser full right to negotiate...
Popularity: 178 • Tools: Recategorize
Is it hard to get homeowners insurance for an inexpensive home?
from a General Agent No, It is not hard to get Home Owners Insurance just because your home is inexpensive.
Popularity: 174 • Tools: Recategorize
Is hidden structural damage covered by homeowners insurance?
If you have an "all-risk" policy, interior water damage, including hidden damage, should be covered. However, you state the...
Popularity: 173 • Tools: Recategorize
Is there a statute of limitations to file a claim?
Most homeowner policies require notification as soon as the loss occurs. The Commonwealth of Mass has a two year statute of...
Popularity: 172 • Tools: Recategorize
Does home owner's insurance cover a leaky drain pipe from a bathtub that causes water damage to the walls?
If you have an "all-risk" policy or a "named-peril" policy with water endorsement, damage due to a leaking tub drain is probably...
Popularity: 170 • Tools: Recategorize
Does your home insurance increase if you claim a kitchen fire?
Depends. If you have a spotless record, more than likely you will have the credits (discounts) from your policy removed. The...
Popularity: 169 • Tools: Recategorize
Does homeowners insurance pay off your mortgage if the house is lost?
NO! You still have to make payments on the mortgage, pay for living expenses if more than the stipend provided to you by your...
Popularity: 167 • Tools: Recategorize
What insurance company will insure a home built in 1925 in Florida without the updates for electric plumbing and roof done?
You may not find a company willing to provide all-risk coverage or replacement cost coverage. You should be able to buy a...
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Is there general liability coverage that covers termites powder post beetles or any other bug that may damage wood?
Under Section I - Exclusions of your policy, it will explain that there is no coverage for damage due to rats, mice, termites,...
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Does homeowner's insurance cover a brick porch that is crumbling due to either the weather or poor construction?
Usually not, that is considered wear and tear. inmost cases damage due to porch falling will be repaired but not falling porch
Popularity: 164 • Tools: Recategorize
Does homeowners' insurance cover physical loss damage claims by car rental companies?
Homeowners policies do not cover damage to motorized vehicles (except lawnmowers, golf carts, off-road vehicles, electric...
Popularity: 162 • Tools: Recategorize
Will homeowners insurance cover damage to the home from masonite siding?
Your question does not provide enough info. Homeowners policies provide coverage against PERILS such as wind, water, fire,...
Popularity: 161 • Tools: Recategorize
Does homeowners insurance cover damage to a private road leading to the house or removal of trees felled by a hurricane?
There is no coverage for trees due to wind...either for their value or to cut & haul them off, UNLESS they land on covered...
Popularity: 160 • Tools: Recategorize
Does homeowners insurance cover foundation cracks caused by soil expansion?
I'm fairly new at all of this, but to my understanding most problems due to soil expansion are due to water getting to the...
Popularity: 157 • Tools: Recategorize
Can the insurance company replace an item instead of paying for it?
What does your policy say. We need to know what company, and which policy in order to even come close to an answer. Answer...
Popularity: 156 • Tools: Recategorize
Can a policy be cancelled because of galvanized pipes even though the premiums have been paid for the year?
Insurance companies can non-renew policies due to number of claims, type of claims, or change in risk. They especially do not...
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Does a homeowners insurance policy have to have the name of the current owners on the policy?
Yes. It is a legal issue. A homeowner's policy insures the named insured for damage to their home. This assumes the named...
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Does insurance cover damages when a termite infestation occurs after a repair was done to the home?
There is currently no insurance protection for damage caused by termites to a structure, regardless of the circumstances...
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Is there a website that provides protection classes listed by zipcode?
ISO Insurance Sevices Office website www.iso.com They are the people resposible for setting codes.
Popularity: 153 • Tools: Recategorize
Does homeowner insurance cover you against buried tree stumps causing a sink hole?
There is no coverage for land (dirt or soil). The only coverage for trees is if they are struck by lightning or a vehicle...
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If you had some roof tiles torn off due to wind damage will your insurance cover the cost of replacing the whole roof?
Kathleen, the short answer is "NO." Homeowners policies do not contain coverage for "match" issues. Your policy says the...
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If a waste water pipe breaks in the basement and the house floods everytime it rains does the insurance cover fixing the problem and the damage?
Waste water pipes are sewer lines.A break or leak in the pipe is a one time casualty which may be covered ie, freezing due to...
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Will homeowners insurance cover a cracked foundation that the previous owners hid under carpeting?
NO... BUYER BEWARE
Popularity: 150 • Tools: Recategorize
Does homeowners insurance cover theft of your car if it was taken out of your driveway?
NO. That would be something that auto insurance would cover if you had full coverage including theft. Homeowners, does not cover...
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Will your homeowner's insurance go up if you buy a pit bull?
Actually insurance companies always inspect a dwelling upon a new policy being written. You may not be aware of the inspection....
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If you find bricks pulling away from your home will your homeowner insurance pay for the repair?
Generally no, unless it is due to a SUDDEN and ACCIDENTAL event such as a tree falling against your house. Cracks in brick &...
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If your laptop was stolen from your friend's house and your friend has homeowners insurance can he get a refund for you?
Refer to the "Personal Property" coverage section of his policy. Many policies allow a homeowner to elect coverage for the...
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What are the pros and cons to paying home owner's insurance included in mortgage payment or separately?
The pros of making your inurance payment separately in my case is that it allows me to pay the entire year at once. I can then...
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If your roof caves in due to the negligence of your insurance company to do a thorough exam of the house do you have any recourse?
Everyone has the option to sue, for just about anything. So legally you could try suing the company, but six years is a pretty...
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Can your insurance be cancelled due to underwriting because of a swingset and an unfenced backyard?
Yes. The problem is that the swingset poses an "attractive threat" and without a fence, there is no safety measure. There are...
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Does homeowner's insurance cover laptop theft?
Personal property is covered from theft, no matter what it is. There are special limits of liability which may apply, for...
Popularity: 146 • Tools: Recategorize
If there is structural damage from water and tree roots that is not covered by your homeowner's policy is there any way to get financial help?
beg your family, friends, and neighbors.
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If you lock up your house and leave on a trip for 30 days or more is your homeowners insurance 'in peril' because the home is 'unoccupied'?
Your policy probably contains a "Vacancy Clause" under Section I - Conditions. This usually refers to an insured moving out of...
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Is the water damage caused by a faulty water pressure regulator covered by the homeowner policy?
In most cases, yes. All policies have different provisions, so this scope is not a narrow one, I advise you to contact your agent.
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Does your insurance company legally have to give you a grace period after you are cancelled?
They are not legally obligated, most carriers do give you a time to re-instate however
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How can you get insurance for a rental property in West Virginia?
Almost every company offering homeowners policies also offers non-owner-occupied, or renter's policies. The risks and coverages...
Popularity: 141 • Tools: Recategorize
How do you deal with an insurance adjuster after an accident?
Insurance Adjusters Here's a funny, yet very wise interpretation of how to deal with an insurance...
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Will your homeowners insurance cover damages caused by a hit and run driver who smashes into your brick wall fence?
i am an insurance agent and if you have a hit and run such as that description and you do have a homeowners policy. it will be...
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If your motorcycle without theft coverage was stolen out of a neighbor's garage will their homeowners insurance cover it?
Personal Property coverage excludes motorized vehicles except lawnmowers, golf carts, off-road ATVs, vehicles for the...
Popularity: 139 • Tools: Recategorize
How can you get insurance when it has lapsed and you didn't know it?
It really depends on how long your policy has lapsed, but there are insurance companies that will provide you with insurance...
Popularity: 139 • Tools: Recategorize
Will homeowner insurance cover black mold algae that may be growing on a roof causing damage?
Probaly not. Most companies are now excluding (or at least limiting) coverage for molds, but you would have to check you...
Popularity: 139 • Tools: Recategorize
Can your agent who is also the best friend of your ex remove you as an insured on your homeowners policy even though you co-own the property?
If you own the property you are an insured. The agent can't legally remove you from the policy. If he does he is subject to...
Popularity: 139 • Tools: Recategorize
Will homeowner's insurance pay to remove a tree that windstorm breaks and blows partially into my yard?
As the owner of a property you have a duty to take steps to secure your property and make it safe. You also have an obligation to...
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If your neighbor agreed to let you build a fence and his driveway was damaged who is responsible?
Statutes vary from state-to-state, but if the "Damage" was from "general wear-and-tear" (Track marks from construction trucks,...
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Will homeowners cover medical for a pet that is hit on the property?
Pets are not covered under a homeowner's policy. There are however companies, Such as Met Life that offer Pet insurance. You may...
Popularity: 137 • Tools: Recategorize
On your homeowner insurance premium renewal is the dwelling extension amount the same as the land?
The dwelling extension (typically 10% of the limit on your dwelling) covers other structures on your premises. This would...
Popularity: 135 • Tools: Recategorize
If the homeowner performs some of the necessary repairs caused by hurricane damage what is the best way to document these expenses?
Your insurance actually requires that the insured make all reasonable and neccessary repairs to prevent further damage to the...
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Does homeowner insurance cover injury to a person who rents an apartment on your property that is a single family property?
You should refer to your homeowners policy, liability section. Many policies may have an exclusion for 'tenants' who are injured...
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How do you fight your insurance for classifying a claim as a water claim when it was not caused by water damage and there was no pay out?
Your question does not give enough details of your damage. What EXACTLY happened? Water damage includes such things as water...
Popularity: 132 • Tools: Recategorize
Why is it so hard to file a claim to your homeowners insurance for someone crashing into your brick wall that is on your property resulting from a hit and run driver?
If you have an "all-risk" policy, vehicle damage is covered. If you have a "named-peril" policy, Aircraft & Vehicle damage are...
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Does an insurance company send an adjuster no matter what size fire and how do they determine how much to award for damage if no one was sent?
For very small loses some insurance companies take the word of the insured and accept a suitably executed and typically notarized...
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Is it possible to sue after being injured working in a customer's home even if the injury isn't serious?
How about just getting your own medical coverage? Are you covered by Worker's Compensation? Probably not. You can get medical...
Popularity: 120 • Tools: Recategorize
What does your insurance company have to pay you for labor and materials if you choose to make repairs yourself instead of hiring a contractor because you work in the construction industry?
Usually an insurance adjuster comes to your home, evaluates the damage and sets the amount to repair the damage, considering cost...
Popularity: 117 • Tools: Recategorize
Does homeowners insurance cover theft or robbery from your person while away from the home?
Homeowners Coverage on Theft Away from Home Some policies do cover this type of theft. The best option for finding out if...
Popularity: 116 • Tools: Recategorize
Is property damage from pets covered by homeowners insurance?
If the damage is to your own property, no. If the damage is to someone else's property, maybe. Did your dog get loose from the...
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Can a homeowner purchase an insurance policy to protect an above ground swimming pool from winter damage or can a rider be attached to their current homeowner's insurance policy?
Depending on the insurance company, you may be able to acquire "Collapse of Above-Ground Pool" endorsement. Which covers exactly...
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Where can you get homeowners insurance if you have a large dog for home protection?
The other poster is correct, but most Insurance companies will give you Home Insurance. By having alarm systems, smoke alarms,...
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If someone pays his home insurance for the entire year and then sells it will his policy cover the new owner if the house is damaged after the sale?
No. Insurance policies are non-transferable.
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If a neighbor's tree falls on your property who is responsible for its removal?
Visit this site for a good answer: realtytimes Answer I saw on one of the court shows where that exact thing happened. A...
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What two states allow for coverage of mobile homes under standard homeowner insurance policies?
Are there only two states out of 50?
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Do homeowner insurance policies cover retaining walls?
They are not an excluded structure under the homeowner's policy. However, all policies will exclude damage to a retaining wall...
Popularity: 69 • Tools: Recategorize
Will homeowners insurance cover a cracked foundation?
My sister recently had a cracked slab. Her insurance did not cover it, but the builder's insurance did. Builder's insurance is...
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Does homeowner's insurance cover damage to the house caused by boarders living with the owner and policy holder?
With respect to 'building' coverage, the borders are not 'insured's' (by definition) under the policy. Therefore, if the damages...
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If an above ground pool collapses does homeowners insurance cover it?
Above ground pools should be considered "Other Structures" under Coverage B of the homeowners policy. They don't have to be...
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Will homeowners insurance pay for mold removal if it was caused by your window air conditioner?
Most insurance policies now carry a "Mold Remediation" limitation. That means that the policy will only pay up to a certain limit...
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Does insurance cover other living arrangements while the roof or structural part of home is being repaired?
Almost all policies will cover living expenses if a homeowner is forced to move.
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Does insurance cover smoke damage?
If it is the result of a fire, the homeowner's insurance should definitely cover it. But if it is something like a fire in a...
Popularity: 67 • Tools: Recategorize
Is there a statute of limitations for an insurance company to reimburse for a claim?
Most policy contracts do state a time frame for the payment of 'covered' losses. See Section I- Conditions, Loss Payment in your...
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What can you do if your neighbor's dog damaged your property but he will not give you his insurance company's name?
If the dor did actual damage to your home, then you can contact your own insurer and see if you can make claim that way. If the...
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Will roof and ceiling damage be covered if almost 2 days of rain the roof started leaking and caused a hole in the ceiling?
The roof likely wont be covered for 'leaking' unless there is 'covered' damage to it (such as wind damage). The interior damage...
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If someone totals your new uninsured snowmobile will his homeowners insurance cover it?
No. The exception would be, if for instance the snowmobile was stolen off the person's property.
Popularity: 64 • Tools: Recategorize
Can an insurance company raise your coverage without your knowledge or consent?
Yes! It is actually done as a safeguard for the homeowner. Everything goes up..labor, materials, etc. Therefore, if some...
Popularity: 63 • Tools: Recategorize
Can bankruptcy prevent you getting homeowners insurance?
Maybe. Many factors are considered by insurance company underwriters in determining whether or not to accept a risk and the...
Popularity: 63 • Tools: Recategorize
If there is a great deal of damage done to the roof of your house and no company will finance you will your insurance company help you?
Any damage done to a home, such as hail, wind, fire, etc. should be covered by the homeowner's insurance. (I don't understand the...
Popularity: 63 • Tools: Recategorize
Can you get homeowners insurance while you are renovating a house that is vacant?
Speaking just from my personal experience in New York, when I purchased a home that had gone into foreclosure to renovate, I...
Popularity: 63 • Tools: Recategorize
Does insurance cover a settling concrete foundation if there were multiple plumbing leaks under it in the past?
This could be a complex situation. If the home has been insured with the same insurance company during all of these plumbing...
Popularity: 63 • Tools: Recategorize
Will homeowners insurance not cover a child's stolen motorbike and only ATVs if they service the property?
you are correct homeowners will not cover a motorbike, that is a policy by itself. as for the atv, it would have to be used for...
Popularity: 62 • Tools: Recategorize
Does homeowners insurance cover damage to your neighbor's property caused by tree roots from a tree on your property?
I've had a similar issue - I was told to make my neighbour personally liable for any damage and subsequently they can make the...
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