Homeowner's Insurance

Parent Category: 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.
Depends on the type & amount of insurance you are applying for.
This question is hard to answer. I guess the only things I canthink of that the adjuster will not tell you are the things thathe/she cannot legally tell you such as the policyholders personalinformation, like their social security number, and other personalinformation protected by privacy laws....
Only in a situation where you have nothing of value inside thehouse or at least nothing you care about. This occurs in rentalsituations where the owner of the property is renting the home onlyand it has no contents in it that belong to the property owner. Ialmost never suggest this because there is...
It's hard to answer a question about a problem with no mention ofwhat the problem is, but I suggest you speak with the adjuster ofyour claim, if this is about a claim. If not, speak with youragent.
It really just depends on what kind of insurance policy you bought.Some will offer certain limited property coverage while away fromhome. But typically, Homeowners insurance coverage is limited toyour home and property and does not cover criminal activities ofthe insured anywhere. If you were...
Sure, as long as the damage was from a covered cause. The key tohomeowners insurance is that the damage is due to a covered cause.If you a re searching to see if your insurance will pay forreplacing the pipe because of lack of maintenance, no it will not.Maintenance is not covered on a homeowners...
You state that the renter's have insurance. Their policy should bean HO-4 policy which is for people who rent and home covering theircontents and liability. They own the dog and they will beresponsible for the damage done by their dog. I hope your child isalright.
No, That's what Auto Insurance is for. Unless maybe your house fell on your car.
Answer . Thats quite a tv you've got!\nYour tv is personal property under your homeowners and is covered by the listed perils in the policy. Typically, 'droppage' is not a listed peril.
It can. The problem with homeowner's insurance policies is that you are never really comparing apples to apples, and then there is the degree of coverage. The policy will most surely cover aspects of the boiler and damage that may ensue from boiler problems, but only reading the policy would...
I assume that you are talking about life insurance to cover yourmortgage if you die. Life insurance is issued all the time forpeople with diabetes. Depending on the type and severity of yourdiabetes, an insurance company will most likely offer you a policywith a slightly or greatly increased premium...
Liability = Legal Obligation to Pay. Medical Expenses = Moral Obligation to pay.
Yes. But, plan on looking for a new Insurance Carrier.
First, what caused the wall to fall?? Secondly, did the wall fallon something of yours that was damaged and to what extent? If youdon't have any loss to something the wall hit, then you have noloss so it doesn't matter. Even if you have a loss, the cause comesinto play. Normally, your insurance will...
I think, only a guess that the pipe under the house and possible even those inside are not covered. The damage they cause probably is, but not the pipe itself. Ask your agent.
Your home insurance should cover that, but you would be subject to your deductible. If you can get her to agree to pay the deductible, it will cost you nothing, but you may experience a rate increase in the future. Of course, trying to get the cleaning lady to pay for the loss out of her own pocket...
I assume PHH is your Mortgage company. They will not endorse thecheck until the work is done. If they endorse it you could spendthe money and never have the repairs done. The way to fix thisissue is to have the insurance company make out the check to youand the contractor of your choice and you....
No. If your house been built fairly recently, then the contractor who built your house may be lible for damages. If he is a licensed contractor, then he will (should!) be bonded, which should cover the damages.
As much as they want. Usually, enough to cover the rebuild cost or loan...whichever is greater.
Generally, you will be responsible for any damage to your property caused by this tree. Your neighbor would only be responsible for property damages if he knew that the tree was in imminent danger of falling and took no action. If the tree is hazardous, it is a good idea to work with your neighbor...
It should. You should request a policy review with your agent. It has to be stated in the policy what is and is not covered. DO review your policy with your agent. Sewer Backup is typically EXCLUDED from most homeowner's insurance. It CAN be added to a homeowner's policy. Have you read your policy?
It depends on if the seller has a realtor or not.. If the seller does have a realtor then they will handle all the paperwork.. If the seller does not have a realtor then they need to contact a title attorney and they are capable of handling the selling process.
It doesn't matter whether it's Replacement Cost or Actual Cash Value. You can do whatever you want with the money. Just don't expect a cent more.
\n1, 2, 3, 4, and 90.\n. \nOR 2, 3, 4, 5, and 86.\n. \nCan you figure out more???
Under your liability coverage, it would be covered. However, the insurance company would want to know the name of, and how to contact the third party, and to have you sign off on their right to subrogate against him or her. That means to collect from them, or their insurance policy, if they have one...
I live in Dallas and I have found no insurer who cares if you have FB breakers. My Farmers agent was not aware of the issue at all.
The best way to determine the fire protection class is to contact the local fire department.
Answer . Get LOTS of pictures of the events! Get everyone in the neighborhood on your side and have everyone file complaints to the police, that way there are MANY people and not just one complaining about the issues. If they're juviniles, the parents will of course be contacted by the police. ...
\nIf the electric being off for 5 days warped the floors, then yes. It would be very rare for a wood floor to warp from 30 degree weather unless it was installed WAY too tight to begin with.
Farmers, depending on the bite history of your dog.
No. Absolutely not. The landlord's insurance covers damage to his property only. Your property would be covered by renter's insurance. It is fairly inexpensive and well worth it for the coverage and peace of mind.
You should run the claim through your insurance first. The neighbor or their insurance company can come after you for damages.
No but, more & more are starting to.
Shop for a new insurance carrier. If still no luck, then it becomes what is referred to as "Assigned Risk". Generally, it takes 3 or more refusals to issue before that is considered. Assigned risk means that the state in which the property is located, assigned your policy to a insurance carrier....
These days it is typically paid by cash, check or charge.
The average house fire burns at a temperature of 1,100 degreesfahrenheit. The temperature may vary if the fire is started byarson.
Yes, insurance companies insureds even for careless acts, providing they had no involvement the in the theft or should have anticipated it was about to occur (estranged spouse making allegations of breaking in) and taking no steps to correct. Some carriers could view that as a lack of duty to...
You can call ISO, which stands for Insurance Services Office. Theyhandle such things in most states as well as standardizing ofpolicies and many other items they provide to the industry. In yourstate, you need to call them and see if they have an online orpublished product for the general public....
Some home insurance policies do cover your belongings that are at a secondary residence. The definition of a secondary residence is a loosely worded term that may include a hotel room, and yes, even a friends house. The limit of coverage for a secondary residence may be limited to 10% of your...
Yes. The homeowner's claim could be pursued by their probate estate (executor or personal representative). Most coverage would not automatically terminate anyway at the death of the homeowner, so the estate of the insured person would be the recipient of any proceeds. Normally wills have language to...
The Department's ISO rating varies, depending on location within the County and presence of public water. In McDonough, the ISO rating is 4. It is 5-6 in Stockbridge. In unincorporated areas of the county it is 5 with public water service and 9 for dwellings not on public water.
The flood insurance rate maps are created cooperatively by the National Flood Program and the governing city/county where the property is located. If you are looking to get a flood zone determination to see if you can be changed to a better zone, search the Internet for "flood zone determination...
In order to file a claim for a loss, it is best to communicate with your agent before reporting to the insurance company. Your agent can offer advice and suggestions on the best way to approach the situation. Following procedures after a loss can be found on the related link.
After you suffer a loss to your building, the insurance company will send the settlement check to your mortgage company, because they technically own your home. With that said, they want proof that the repairs are going to be done. Some mortgage companies will turn the funds over to you with a...
The various mixtures for making concrete are, . Cement . Fine Aggregate . Coarse Aggregate . Water . Admixtures (in some cases)
They will not pay to fix the pipe, or will not pay for the clean up and damage to your property? They have to fix the pipe and clean up the mess caused by it. Any personal property, possibly not. That's why they sell renters insurance. You may be able to take them to small claims court to recover...
\nThey usually have doors, walls, and windows, and people live in them. Without a better question no one can help you.
Homeowners insurance has been on the rise in recent years due tomany factors, starting with the idiots who think mold should becovered on homeowners insurance. HO has never covered such thingsand shouldn't except for the celebrity who took a company to courtand got a judge to go along because of who...
It can. Depends on the item & your deductible.
Insects, pests, vermin, rodents, etc are basic exclusions of an insurance policy.
No; flood insurance is provided via the Federal Flood Insurance program. While METLife P&C doesn't provide this coverage, its agents should be able to assist you in obtaining this coverage. Just about any insurance agent can take applications for the Federal Flood Insurance program.
\nThey are required to pay the cost of getting you a house/condo (whatever you normally have) that provides the same things you had at home--like a computer, phone service, etc. Usually you just end up in a hotel ordering pizza.
Homeowners insurance specifically excludes damage done to any fourwheel motorized vehicles and motorcycles. Your only coverage forsuch is under an auto insurance policy and you will need to havecomprehensive coverage for such a claim.
Multi Peril Renters Insurance policy...Coverage for your stuff.
\nNot for your own. It could possibly cover someone else suing you, however.
No. Comprehensive coverage on the auto does that.
The answer probably lies within your association's declaration ofcovenants, conditions and restrictions (CC&Rs). There may be anexculpatory, or non-liability, clause that lets the association offthe hook even if negligence is a factor in the deficiency in thecommon roof. . The association's...
PMI has absolutely nothing to do with the death of a home owner.There is no benefit to the PMI in this situation. A Mortgage LifeInsurance policy would be of great benefit as it would pay off themortgage on the house at the death of the homeowner.
Claims Adjusters are the ones who investigate insurance claims by doing some investigations and consultations to different people such as police, hospital personnel, and other. This is to determine the coverage of ones company's liability.
Home Insurance and Lost Cash Most Homeowners Insurance policies automatically exclude coverage for loss of cash, stocks, bonds, fine jewelry and furs unless they itemized and scheduled for coverage under your policy prior to a loss. Some home insurance policies do include a limited amount of...
Depends on your insurance contract. Some companies would cover that incident, some wouldn't.
Short answer yes, if it is in your policy long answer, would not be smart to claim it.
Contact their headquarters, try the HR dept first.
\n. \n. \nA slab is cheaper to build than a basement. The basement will give more space but is more likely to leak and more can go wrong.
Answer . Depends on HOW the damage occurred.\n. \nYour above ground pool is normally covered as 'personal property' under your homeowners policy for the listed perils. See Coverage C- Personal Property for the list of covered losses.
Any insurance related job is a good stepping stone. Keep in mind that State Farm agents are captive, and therefore you will only learn about the products that that company offers. Independent agents have access to a variety of different insurance companies and products, both preferred standard...
Yes, that's what most people do, they park their car at their house.
Insurance is a recession proof industry so as long as the BM is doing his her job properly and is profitable they will have great job security.
Medical payments on your car generally covers expense to yourself and / or passengers in the event of an accident where you're at fault. Medical payments on a home policy will pay for people who are injured in your house - but it won't cover the homeowner or other residents of the house. http://www...
Ferrari Enzo if you want style.
\nIn a rental you typically need a Dwelling policy. This would not be covered by the insurance policy for your main residence. Call your agent and if it is not covered they will tell you so. Even if it is covered they may say it is not, but maybe they will say yes. Don't forget that you'll have...
Your insurance company will likely continue coverage and appoint a new insurance agent to service your policy. It is recommended that you have the new agent review your account and give his or her best opinion.
There is usually no coverage for things that went wrong that you are responsible for. If you had had the tube put in professionally, maybe. You could ask your insurance agent, just in case.
Foe emotional stress you may have a problem in small claims court because the burden of proof is up to you. Property damage you would have a better chance at having a real claim.
Regular insurance will not. If you just purchased the house and have warranty insurance and the water heater is listed it will.
That depends on your homeowner's policy. You would have to talk to your insurance agent.
You could be liable in court if they could prove negligence on your part. I don't understand your questions about homeowners insurance? Homeowners insurance would not come into play. http://www.coloradosbestinsurance.com
in a car park
If this is for a home: you can ask your insurance broker or carrier whether this damage is covered by your insurance. If this is for a condominium: you can notify your board and turn the matter over to them to handle with the master insurance carrier.
No. Your homeowners Insurance Policy does not cover Auto Collision. You will need to file on your Auto Insurance under your Vehicle Comprehensive and Collision Coverage.
Answer . The purpose of auto insurance is to help pay the cost of damages to at least the other persons car depending on the type of insurance it may cover your car it may even cover your car because of fire , wind, and water damage. If you get in an accident an you don't have any insurace you...
Typically not. If the squirrels got in through a hole in the roof that was caused by something covered, like a tree falling, then they would cover the cost of fixing the hole. But the squirrels will have to be caught by a professional you hire to do so at your own expense.
PPC Codes are the Intellectual property of ISO Services so we can not post them here. The best thing to do is to call your fire department or local government office. ISO (Insurance Services Office) handles the inspection and rating of fire departments but calling the city hall or the fire...