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What exclusions are in the insurance policy for apartment owners?
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What is the difference between exclusions and endorsements in an insurance policy?
endorsements are simple exclusions arent.
Will homeowners insurance cover damage to ATVs?
It depends on your policy perils and exclusions. Generally home owners policies exclude motorized vehicles. ATVs usually have their own insurance policies if you want to get them covered.
If a friend borrows your car and you did not know he has a suspended license will insurance pay for damages caused by an accident he had?
Yes, generally barring any exclusions in your policy if he had your (owners) permission to drive.
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.
Is the cost of a cosmetic surgery procedure usually covered by health insurance?
There are normally a number of exclusions on a health insurance policy. These exclusions can include some cosmetic surgery procedures and one is advised to examine all policy documents very closely.
Why doesnt your insurance cover the removal of raccoons?
Insects, pests, vermin, rodents, etc are basic exclusions of an insurance policy.
Will life insurance pay in the event of a car accident?
There are very few exclusions in a life insurance policy so it should.
Personal property is covered under what peril?
The listed perils (barring exclusions) in your home owners or renters policy.
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.
What is the duty of disclosure required by insurance company and insurer?
It depends on the state but the disclosures will usually be spelled out in your policy. Most state insurance departments require that they provide full disclosure of policy coverages and exclusions in your policy.
Will your insurance company pay out life insurance claims in the event of suicde in California?
In most states, policies include a suicide exclusions for the first two years of the policy. I will look at your policy and call the insurance company.
Are driveways non recoverable depreciation?
Just depends on the policy type, language and exclusions on your policy. Your Insurance Agent will be the best source for answers to coverage questions on your policy.
