Fences are covered by policies that have Other Structure coverage (most do) but they are covered on an Actual Cash Value basis, not Replacement Cost. Basically, you'll get a depreciated amount for your damaged fence.
A storm damages your fence. Wind-related damage to a fence or another insured structure on your property is typically covered by homeowners insurance whether it's the result of a tornado or just a fierce storm. Once it's safe to go outside, you should take photos of your damaged fence.
Depends on the policy, type of grill, etc.
Seemingly, anything that can possibly go wrong is specifically excluded somewhere in the fine print.
Homeowners policies exclude damage due to "settling, cracking, bulging, shrinkage or expansion of foundations, walls, floors, ceilings, walks, drives, curbs, fences, retaining walls..." (language varies by state)
Homeowners insurance does not cover automobile nor there parts.
No. Homeowners Insurance does not cover the owners default on a mortgage note.
All homeowners policies cover damage caused by lightning.
Yes. That is covered on a homeowners policy.
No, Homeowners insurance is for the house. it does not cover cars or car accident claims.
NO, your homeowners policy will cover 'additional living expenses' but will not cover your mortgage.
The basic structure of a homeowners policy looks like this:
No, That would be a homeowners maintenance issue.
Your homeowners insurance should cover damage to your sprinkler system if the cause of the damage is covered by your homeowners insurance policy such as fire, lightning, freezing of pipes, etc. Homeowners insurance is not a maintenance policy and will not cover mechanical failure of your system.
No, Your homeowners insurance does not cover vehicle damage. That's what auto insurance is for.
No. You homeowners insurance specifically excludes motorized vehicles. You auto insurance will cover damage you did to their home with your car. Your homeowners is not designed to cover damage you do with your vehicle under any circumstances.