Where can you find homeowners insurance that will cover boarding dogs on your property?
Does homeowners insurance cover lost wages if someone who does not live there falls on your property?
The liability section of the homeowner's policy provides Med Pay coverage for non-insured's (coverage F) and Liability coverage (coverage E) for injury to non-insured's. Liability coverage can include their lost wages. There are a lot of exclusions that could apply and your insurer would have to det…ermine that you were responsible (negligent) for the injury caused in order for coverage E to apply. You would not have to be responsible for coverage F to apply but an exclusion could still be applicable.// (MORE)
Personal property is covered for the listed perils in yourpolicy, see Coverage C - Personal Property, for the list of coveredlosses. Personal property is covered even if it is located in avehicle at the time of loss. Some limitations and exclusions couldbe applicable if the loss is caused by theft.
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 farm or other type work, not personal, to be covered on homeowners. again, ATV insurance is a policy of its own as well.
No You would need to seek coverage under your medical insurancepolicy for accidental injuries. Homeowners insurance is for property and liabilities that may ariseout of home ownership. Home insurance does not replace medicalinsurance. If you think the property owner is liable through cause of inju…ry,you might seek coverage under their liability if they carry thecoverage. (MORE)
Property damage from pets If the damage is to your own property, no, this would be normal expected wear and tear incidental to pet ownership. If the damage is to someone else's property, maybe, depending on whether you have liability coverage and that you do not have an animal exclusion on your… policy. Did your dog get loose from the house or yard? Was the property that was damaged at your own house? There is not enough information here to give a good answer. (MORE)
Will homeowners insurance cover personal property if your dog ate part of a very expensive leather couch?
Answer . Not if it is your couch and your dog. If your animal damages a neighbor's property, he may have a claim against your homeowner's liability insurance, or vice versa if it is your property and another person's dog.
They could be in some cases depending on how and why they were injured and what the relationship and residence status is to he named insured. Your homeowners medical coverage is specific to the named insured(s). Generally this is the home owner and resident family members. If someone else was …injured on your property due to the insureds direct actions or through the insureds negligence for which you could be held liable then such an injury would be covered under the liability portion of your homeowners insurance policy. Bear in mind though that a homeowner is not automatically liable for an injury on the property simply because you own it. The injury would first have to be demonstrated as the fault of the insured, otherwise the homeowner is not liable. (MORE)
Answer . Properties in South Florida are insured for Vandalism . A1 Property Damage Claims Agency handles your Vandalism claim from start to finish with no up front cost to you. We are paid a fee only when the case is won. Call us today at 305-249-7866 E-mail firstname.lastname@example.org
Most homeowner's policies have a limit for claims for business property on the premises of about $2500. Depending on the home business this amount is probably insufficient to cover the replacement cost of the business equipment and supplies you use to operate your business at home. You should also b…e aware that certain home based business activities can impact negatively on your home insurance even rendering it invalid. This is because you are using your home for activities that the insurer may not know about. (MORE)
any person who is injured on your property which is a fault of the property such as wall falling on them or they trip on a garden path. this would be covered under the property owners liability and usually allows upto Â£2million
Generally no. Hired workers are not covered under a home insurance policy. Homeowners insurance policies do not cover "poor workmanship" But the contractor or repairman's Commercial Liability policy will cover if he damages your property or fails to perform repairs up to the standards that a reas…onable person would expect. This is why you should always hire from established companies that you can verify are properly licensed and insured to perform the work. (MORE)
I cant see any reason why this would not be covered, it would most likely come as a subsidence issue (im assuming here as not much detail) and this would usually incurr a Â£1000 excess on any claim made.
No, vehicles are only covered under auto insurance policies. Homeowners insurance policies provide no coverage for automobiles.
ALL Personal property owned or borroewd by insured is covered INHOME AND anywhere in the world while on vacation. BUT, If you at asecond home like a cabin you own in Tahoe the coverage will bedecreased to 10% of amount covered in Coverage C. Any relativeliving with you stuff is covered also. Roomate…s belongings are notcovered. Certain items like Jewerly and Guns have limits on theamounts that insurance will pay out. Hope this helps. Jessica N (MORE)
That will depend on the individual insurance carrier. Some will not cover dogs at all, some cover only certain breeds, and some will cover any dog with no previous history of aggression. Ask your insurance agent whether your own policy covers your dog.
Usually your policy will have a section covering your liability as a homeowner. This may cover the neighbour. Check your policy ask your insurer
Your home insurance property coverage portion of your policy would not provide coverage for property of another. However, If you are found liable for damage to your neighbors property your liability coverage would invoke. Most homeowners Insurance policies come as a package with some level of Lia…bility Insurance unless you purchased stand alone property only coverage. (MORE)
There is no coverage at all for an accident to an insured either off property or on property. A Homeowners policy provides coverage for structures, personal property, additional living expenses due to loss, liability coverage and medical payments. There is coverage away from premises for insured per…sonal property provided it is due to loss from a covered cause. Coverage is generally limited to 10% of coverage C and if it is theft, insured must be temporarily residing where the theft occurred. The liability coverage provided by the policy covers the insured away from premises. These all are general statements and there are exclusions so the policy should be consulted. (MORE)
its a gray area in the policy - but property of others would be covered at your request
No, you would need to purchase an Insurance policy for your Rental Property. Sometimes referred to as landlords Insurance.
No, Never. An auto theft would have to be covered by the vehicle owners comprehensive auto insurance policy. A homeowners Insurance policy is not liable for the theft of a vehicle. that's what Auto Insurance is for. If an Auto Owner chooses not to purchase a Comprehensive auto Insurance Policy th…en they assume the risk of a total loss in the event of a theft. The vehicle owner can not seek to shift liability to another person simply because it was on their property when the vehicle was stolen. If this were the case then every time a car is stolen from the parking lot of a store or shopping mall people would expect that business or property owner to pay for their loss. (MORE)
No. Your Car is covered by your Auto Insurance Policy. It is never covered by a homeowners policy no matter whose property it is on.
If you scheduled your personal property on your Homeowners Insurance Policy then it will cover. If you failed to schedule your personal property then it will not be covered.
Your personal property coverage specifically excludes "animals, birds or fish". You could attempt to make a liability claim against your friend, and their liability coverage might apply, but that could have serious consequences for your friend's rates and future insurability. You'd have to consul…t an attorney to go that route. In your situation, this could be a difficult claim to prove. You might be better off leaving things alone. (MORE)
No, the only vehicles they would cover are vehicles use to service a home and designed to assist the disables.
If i go out of town and live the water running from the sink wouldmu homeowners cover the claim
Homeowners insurance is "Property Coverage". Most home insurance policies only have 500 dollars medical coverage for the named insured which covers minor house hold injuries in and around the house. Some home insurance policies have no medical coverage at all since it's "property insurance". Your… home insurance policy does not and can not replace your major medical or health insurance policy. Medical insurance and property insurance are two very different kinds of insurance. (MORE)
No, That's what Auto Insurance s for. Now if your home fell on the car it might cover it.
No Homeowners insurance does not provide coverage for automobiles. You would have to look to your auto Insurance to file a comprehensive claim. No one is liable for an act of nature.
Every homeowners policy is unique and you need to read through your policy to be sure but I can tell you that most homeowners policies will cover your personal property. Your homeowners policy will actually cover your personal property anywhere in the world (depending on your specific policy). If y…our clubs were stolen from your car and you are thinking of filing a claim just remember that you will be responsible for your homeowners deductible which is usually around $1,000. That means that you are responsible for the first $1,000 so if your clubs are worth $1,200 you would get a check for $200 from your insurance company. Most golf clubs aren't worth that much but if yours are do you really want to file a claim to get a $200 check? After you file that claim your homeowners insurance premium will increase for 3-5 years because you will be considered a higher risk by the insurance companies. One other thing to consider is that if your car windows were broken during the theft you will also have to file a claim with your auto insurance company if you want them to cover the window. Most auto policies will replace glass for free or very little. (MORE)
There are two types of coverage, and insurance policy and a maintenance contract. Rarely do these offer the same coverages. An insurance policy is meant to cover you when an accident happens. You would need a maintenance policy, it's similar to a television set, when breakdown occurs then coverage m…ay kick in. (MORE)
Does an owners liability insurance cover damages to contents of renters property if the homeowner is negligent?
No, a homeowners insurance policy does not provide coverage for the property of a tenant. That's what "Renters Insurance" is for. If the renter chose not to purchase a renter insurance policy, Then the renter was negligent to the extent that the renter chose not to purchase a renter insurance p…olicy, perhaps with the mistaken belief that the owners policy would cover them. (MORE)
Most companies will also give you the option to exclude the dogfrom future coverage allowing you to carry on with your currentpolicy.
You need a surplus lines broker for that. Most insurance companies don't want that kind of risk. Be prepared to pay for it too. Good luck.
Does homeowners insurance cover damage to your neighbor's property caused by construction on your property?
Actually, This is covered under your Contractors General Liability Insurance. If your contracting builder does not have insurance, you need to get rid of him, and find another contractor immediately.
Does homeowners insurance cover damage to your home and property from a bacteriostatic treatment used in a humidifier?
Probably not - for two reasons. Most homeowners policies exclude any type of micro-biological damage because they are natural and cannot be controlled. The second reason is that if the homeowner knowingly introduces these organisms into their home, then it would be considered intentional and the dam…age would not be covered to any greater extent than a wall damaged by the owner's fist. That being said, however, if the release was due to failure of the unit, then you might very well be covered. (MORE)
Yes. Homeowners policies provide coverage for theft or any other covered cause such as fire, tornado, etc. when the property is located off premises. The amount of coverage is generally 10% of coverage C (Contents) for property located off premises. This covers property at a friends house, in a hote…l on vacation, in your child's dorm room at college, and just about anywhere else. Homeowners policies is probably the best value there is in insurance due to the amount of coverages it provides for the low premiums. (MORE)
Certainly it is covered. However, I can guarantee that thereplacement cost of the camera is less that your deductible. Youreally need to find this out before you file a claim. You only needto use your homeowner's insurance policy for large events such as afire or such because if you file small claim…s you risk beingcancelled. If cancelled you will find it difficult to obtain newcoverage and if you find it will be terribly expensive. Alsoremember that the damage must be from a covered cause and notremembering which tree you put it on is not a covered cause. Sorry. (MORE)
Generally no. The only time that your homeowners policy will cover property of anyone else is if you are legally liable for the damages. For instance if you started a fire on purpose for some reasonable need that got away from you and they neighbor demanded payment. In this case you turn it over to …your insurance company which will decide how to proceed. You liability section provides coverage for damages and they will provide legal defense in addition to the liability coverage if necessary. I will caution you that liaiblity claims will make you typhoid Mary to insurance companies and you will not have luck getting or keeping homeowners insurance. (MORE)
Homeowners Insurance does not cover incidental property damage or loss resulting from our choice of pet ownership. Answer it depends , if it is your dog no you don't have any coverage for that . However, it covers dog chewing contact lenses.
No. I don't think your dog eating your dentures would be covered. First off your deductible is involved and secondly it's your dog. i would call the vet as the dog may need surgery. Whether or not you will get them back from the dog one way or another.
No. Damage done by any household resident is not covered. I assume you are talking about an intentional act by the way the question sounds.
No. They must purchase their own renter's insurance. The homeowners policy for a rental only covers the physical property.
I believe in most any situation that carpet damaged by a dog will not be covered. Of course it will depend on the actual policy and what happened but in most if not all cases this type of damage would not be covered.
No, You just need to call the utility company. They will take care of their pole. If a car hit the pole, The drivers auto liability insurance could pay the utility pole owner for the cost of repairs.
No, Hoarding is not a covered peril. Homeowners insurance covers losses that result from the natural perils listed on your policy. Typical Perils are Wind, Hail, Fire, falling objects etc.
It just depends on whether you are liable for the acts of yourgrandchild or not. It might be that the childs parents are legallyliable for their acts in your jurisdiction. Not knowing your localregulations, theres not enough information in your question toanswer properly. In general though, If you …are not liable, then your insurance wouldnot need to cover it because your not responsible. If you areliable then it should be covered under your liability coverage butnot under your property coverage terms because it's not yourproperty. (MORE)
I'm not exactly sure what you are asking but I will take a shot. If you mean personal property not located on your property then yes, you have coverage of your personal property while you are traveling away from home. Up to 10% of coverage C (personal property) is covered while off premises. I hope …this answered your question. (MORE)
Not Likely unless you scheduled it on your homeowners insurancepolicy and paid an additional premium for it. Personal aid devices of this type are generally covered throughyour health insurance provider.
Of course not. This is an illegal activity and therefore allillegal activity is excluded under the terms of the policy.