Homeowner's Insurance
Homeowner's insurance is a kind of property insurance, which offers both property and liability coverage. Here, a single premium covers all risks. It applies to private homes and requires that at least one of the insured occupies the home.
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Sabrina286No You would need to seek coverage under your medical insurance policy for accidental injury. Homeowners insurance is for...
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There are many insurance companies that will do this for you. Get the phone book out and start making calls. You should have no...
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There are companies that write vacany and renovation or "course of construction policies. If your previous carrier is footing the...
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Roof leaks due to maintenance problems such as aging or deterioration of the roof would not be covered as far as repairing or...
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You can check with the Property Insurance Loss Registar (PILR). This is a tool a lot of insurance companies use to find this...
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You may want to try and sue the party first, if you except what the insurance company offers you then that is an admission of...
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Yes, subject to your deductible unless wind damage is specifically excluded.
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The amount the customer pays, before the policy pays anything.
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No you will likely be rated as a new driver. Almost no, US insurance company will be williing to apply your foreign driving...
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Yes. This is not a 'flood' situation. Flood insurance covers rising waters entering the home. The homeowners policy covers...
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Insurance Companies and GCs Yes, they are required to pay normal cost of doing business for the contractor (Job related or GC)...
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AnswerYour auto policy will cover it as a 'comprehensive' loss (if you have comprehensive coverage).
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In the state of Florida: You have the right to review the documents by Law before you purchase the unit if from the builder you...
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there are many variables here.. speaking for 'most' states...homeowners policys have two different areas (that are common,...
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It is not meant to be a maintenance policy of the home. If your electrical is broken from wear and tear then it usually wouldn't...
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Most insurance companies would not knowingly insure, (or would adjust the premium) for wood heat. AND if allowing the woodstove,...
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No it is not
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Yes, However most Insurers will only offer a limited Form HOA coverage, AKA HO1 Home Policy form. The Insurer will likely not...
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If there is an endorsement name and number on the Declarations page, then there should be a corresponding page in the contract...
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Homeowners policies have an exclusion for 'settling, shrinking, bulging, cracking, ect. of a foundation or wall. You can report...
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Absolutely
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We assume that you mean mortgage life insurance? That is going to depend on the amount of coverage, your age, health, gender, and...
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No, not unless the HO was negligable. The contractor should have insurance for his ow protection. But then again, we are a sue...
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If you maintained collision coverage on your car and the damage occurred in a parking lot, there should be no reason why the loss...
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Yes, and there are false fireplaces made that use Sterno type fuels. Not much in the way of heat, but used for "mood" fires.
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Cracked Foundation A cracked foundation is rarely if ever a reason for a home to be condemned. Answer I suggest you consult a...
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Insurance will likely not pay for the repair to the pipe as most policies exclude coverage for Normal wear & tear. Most sewer...
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Only if it was damaged by a covered peril such as fire, vandalism, falling object, lightning strike, etc. If your Ac is just...
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Your insurance coverage is basically a contract. You can't ask someone to interpret a contract unless they have read it, so it...
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It is possible that you have to be occupying the house to be covered by insurance. They see it as unprotected by the owner and...
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No, an insurance company cannot force you to use their own contractor unless they invoke their option to repair pursuant to the...
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Yes. The problem would be if the roof should be damaged again. In which case the insurance company might refuse any damage...
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If the carpet was damaged from a listed peril (smoke, fire, etc.), the average policy will pay (after your deductable) to have it...
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AnswerNo, that's routine maintenance and prevention. It's your responsibility as homeowner. BTW, if the tree has damaged the...
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yes, and it will vary state to state. I would contact a local lawyer and ask them.
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Public adjusters are regulated by the state department of insurance. The best way to determine what you need to do to become...
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The homeowners policy typically excludes; wet and dry rot, deterioration, wear and tear. Even if one does not realize there is a...
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The only persons that would be listed on the homeowners insurance is the home owner (s). All family members and their personal...
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No.
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AnswerHaving dealt with this problem in a big way before, I nearly lost the whole side of a basement wall/foundation due to years...
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No, You are not automatically liable for an injury that occurs on your property simply because you own the property. It does not...
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You will want to turn your claim in to make sure, but most homeowners policys will say the water must be 'weather' driven, or...
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Yes. Click on link to find actual Medicare Brochure
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keep it. You never know when you might need it.
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Contact an independent insurance agent & find a new carrier.
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Typically your above ground pool is covered as 'personal property' under your homeowners policy. Personal property is limited to...
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I don't know, but they do pay interest on the $$$ from the date of death.
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An HO3 policy typically includes cost of replacement. However, that does not mean that the entire roof will be replaced just...
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Insure to value on replacement basis, personal property and structure.
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I would think almost every insurance company would as policies define relatives as additional insureds. I assume you do mean...
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Home Insurance and Felled Trees Yes it does. Not only does it cover the cost to repair the house but also removal of the tree. If...
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no
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No, such as 'roomates' and adult non-relatives. Refer to page one of your actual policy; Definitions. An insured means you and...
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AnswerDomestic animals are not covered under the homeowners policy. As it pertains to a liability situation, a dog would be...
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Typically your homeowners insurance does not provide coverage for poor workmanship or for hired labor. Accidental damage caused...
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They may in your state...ask your insurance agent.
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You want to talk with a Commercial Lines Property & Casualty broker.
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If you have to ask....it's probably too much. I was there 2 years ago, and while a beautiful city, it is (in my opinion)...
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The simple answer is NO. Homeowners policies will specifically exclude any vehicle licensed or intended for road use. To get...
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yes
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No Insurance company discriminates against dogs or a breed of dog. Your insurance company does not decide what breed of dog or...
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Yes, Just call your insurance company and ask them for a new copy of your policy. They send you one every year at renewal time...
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AnswerNo. but it could lead to a lien being filed later if you are found liable and you don't have coverage under your home...
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no
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If the coverage is for a refinance, typically the search is only on the current owner from the time they purchased the property...
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No. If you know that it is likely to fall on the house and it does, they will probably deny the claim because you should have...
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It does if the policy is current and there is adequate coverage. If the property is underinsured the insurance company will not...
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A home is considered vacant at the time it becomes unoccupied. Your insurer requires notification from you within a specified...
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Home policies include this coverage. These are necessary repairs for a large or total loss. I never have known for this to be...
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I don't see why not, as long as you don't mind paying two payments instead of one and as long as you don't try to get paid twice...
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Many insurance companies will no longer give coverage to someone who owns exotic pets such as Pythons and other non-domestic...
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Homeowner policies dont make any provisions about whether or not the policy- holder is a smoker. Your life insurance company...
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In most cases the association is responsible for mantaining the roof and structure. It should the the association's insurance...
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Your personal property is covered while it is in a storage facility for the perils listed in the policy. A theft loss at the...
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AnswerYou have an obligation to read your policy and follow it. It is an agreement you made with the insurance company.If you...
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Subject to your deductible, yes a standard HO3 policy should cover your wind damage.
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In my opinion yes. As long as your personal property is stored in a location that is not a residence or could be considered a...
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All you have to do is start making calls to the insurance companies doing business in your area. Disclose all that you know...
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Answerin wellington Ohio 44090
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NO, generally not.
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No, not any more. Insurance companies have been quietly using credit reports and scores to better determine the riskiness of the...
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No. Homeowners Insurance does not provide coverage for criminal acts. Your medical insurance is where you should look for...
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You will have to start calling local insurance agencies. Someone will provide you coverage and if no one will you can call your...
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No! Faulty construction is excluded in homeowner's policies.
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When an claims adjuster, determines the car is totaled, that means it cannot be repaired. In which case, the replacement value...
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Thats quite a tv you've got! Your tv is personal property under your homeowners and is covered by the listed perils in the...
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AnswerUsually but only for the perils named in the policy. If the motor goes out on your refrigerator due to old age they won't...
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No.
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Yes, most Homeowners Ins will pay for acts that you or your animals are Liable for. Most Compainies also include a damage to...
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yes it does because you become liable to yourself. Find a lawyer and sue yourself Your medical insurance should pay for the...
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No. Probably not. Unlikely. What caused the leak in the water line? Old age? Ground shift? If and only if the leak was...
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Usually not. Your apartment building will have a master insurance policy in which this is covered under liability. Now, if...
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AnswerPersonal lines refers to Property and Casualty insurance for an indivdiual as opposed to a business. These would include...
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Coinsurance An arrangement under which the insured person pays a fixed percentage of the cost of medical care after the...
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Home Insurance and Leaking Pipes If you can see the leak, then it's your responsibility to get it fixed. If you wait until it...
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Depends on HOW the damage occurred. Your above ground pool is normally covered as 'personal property' under your homeowners...
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Home insurance policies are not maintenance contracts. They are there to cover unexpected losses. A drain pipe that is 50 years...
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What is it leaning from? If it's leaning because of some sort of ground settling, no.
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You should only have coverage on your homeowners insurance policy to cover the REPLACEMENT COST of the house. Market value...
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AnswerYes, If your plan embodies that kind of coverage. If personal property is located on the premises, then the insurance...
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