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Do standard homeowner insurance policies specify that in order to pay restitution to an injured person they must be able to prove negligence on the part of the homeowner?
Wiki User
∙ 9y ago
Yes, it is not only a specified by your policy but it is also required by law. Liability is defined by many statutes of law. An attorney would be best source of advise on your legal liabiliy.
All insurers have a legal duty to investigate a claim and determine the insured's liability, if any, before paying a claim.
Contrary to popular belief, A homeowner is not automatically liable simply because they own the property where an injury occurred.
The home owner would have to actually be responsible either through action or inaction (negligence) for the injury before they can be held liable for it and before the insurance company is allowed by law to pay the claim.
Wiki User
∙ 9y ago
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Does your homeowner insurance covers gaps between policies?
No.
Does homeowner insurance cover vehicles?
No, in fact standard homeowner's policies specifically exclude coverage for vehicles.
Do homeowner insurance policies cover liability issues away from the home?
No
Does homeowner insurance coverage criminal mischief by the homeowner?
No, homeowner insurance typically does not cover intentional criminal acts such as criminal mischief by the policyholder. The insurance policy is meant to provide coverage for accidental or unexpected events, not deliberate acts of vandalism or wrongdoing.
Do homeowner insurance policies typically include flood coverage?
There is no requirement, but your mortgage company may require a certain amount of coverage that both policies will have to match.
Do all homeowner's insurance policies have the same coverage?
No, all polices are not the same.
Does homeowners insurance cover fire or theft?
Most homeowner's insurance policies will cover fire and theft. Individual companies and policies will vary, so be sure you check with your insurance agent to verify if yours does.
How can one compare homeowner insurance policies?
The best way to compare insurance policies is to use a comparison service online. Confused, iSelect and CompareTheMarket are three sites that assist customers to compare insurance options.
Can you sue a homeowner for damages to you and your hand even if it was your fault?
No, you can't sue your own homeowner's insurance for any medical condition you experience whether it is your fault or not. Homeowner's insurance is not medical insurance for the homeowner. However, if it is someone else's home you may have your emergency medical covered as most homeowner's policies have emergency medical coverage for non-residents. It is also possible to sue the homeowner for damages, i.e. a dog bite.
What companies offer home emergency insurance?
Most homeowerns have home emergency insurance built into their homeowner's policies. It is available from all the major carriers such as State Farm. Check with an insurance broker for policies from independant insurers.
Will any homeowner Insurance policies cover a car that was stolen from the driveway?
No homeowner policy will cover a vehicle that was stolen. Insurance varies from state to state but generally you can buy comprehensive protection only which will cover theft.
Is flood insurance included in basic homeowners insurance?
Homeowner's insurance policies do not cover flood damage. You will need a Flood Insurance policy and to get one you will have to apply and wait 30 days.
