Who is covered under homeowners insurance?
A "Named Insured" or "Insured" should defined by the policy and listed in the Definitions section of your policy. Generally it is the person listed on the declarations page, and permanent residenants of your household.
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NO... Buyer Beware, Homeowners insurance policies do not cover pre-existing damage.They also typically exclude damage resulting from "ground movement"as this is a normal expected occurrence throughout the life of ahome. You would look to your buyers home warranty for coverage of anun-disclosed def…ect of the home you purchased. (MORE)
Cracked Foundation . A cracked foundation is rarely if ever a reason for a home to be condemned. . Answer . I suggest you consult a structural engineer to assess your foundation. Under most circumstances there will not be any coverage available for a cracking or cracked foundation. An engineer ca…n determine the cause and repairability and a contractor can determine the repair cost. You can always file a claim and see what your insurance company does. Is the home on a sinkhole? If it is there may be coverage in some states. Good luck! (MORE)
Answer . \nFor damages from storms or weather related issues, sometimes from accidents such as your neighbor's tree limb crashing onto it, although it some cases it might be the neighbor's responsibility. However, a roof is not covered by homeowner's insurance if it is a matter of replacement or …repair due to damage from normal "wear and tear". (MORE)
If the plumbing burst and casues damage, yes. In other words, say your water heater goes and pours water all over the floor. The damage to the floors and items in your basement will be covered. Keep in mind that placing claims brings you closer to having your policy canceled. Do it wisely! Here's …another answer: Depends on what you mean by "cover". If you have a plumbing problem like I did, where my main sewer line in my back yard collapsed because it was old and tree roots were crushing it, then no. If you have a collapsing sewer line, and water backs up into your basement, then in Wisconsin you would need to have a special endorsement to cover backup of sewers and drains for even the clean up and repair inside of your house to be paid for. If you are just asking if damage to your house as a result of broken pipes is covered, again I would say "it depends"! I don't think any company out there would pay to repair the plumbing, but they might pay for the resulting damage. (MORE)
\n. \n Answer \n. \n. \nThe basic structure of a homeowners policy looks like this: \n. \n Coverage A: Dwelling - protects the structure of your home and other structures attached to it. The basic homeowners insurance policy pays you in case of any damage due to fire, and severe storms. …Tornados and hurricanes may be covered.\n. \n Coverage B: Other Structures - provides protection for structures or dwellings on your property but not attached to your residence (unattached garage, storage, shed, fencing, boundary etc.)\n. \n Coverage C: Unscheduled Personal Property - covers damage to your personal effects owned or used by you inside or outside the home. \n. \n Coverage D: Loss of Use - reimburses you for expenses you may incur if your home becomes uninhabitable due to a loss covered by the insurance policy. \n. \n Coverage E: Personal Liability - provides coverage if another person brings a claim or lawsuit against you for bodily injury and/or property damage resulting from negligence on your property. \n. \n Coverage F: Medical Payments - provides coverage for medical payments if a third party is injured by or on your personal property. \n. \nVery important in the overview is what is NOT covered or what is often limited by contract.\n. \nMold and some related water damage.\nThis is very often specifically limited. Mold damage can be very expensive to repair since it can grow undetected for quite a while before you know you have a problem. Read your policy carefully, especially if you live here in California as well as Texas, Florida, Nevada and Arizona to name just a few problem states.\n. \nWar, nuclear accidents and terrorism. \nA local riot would likely be covered but being attacked by terrorist or armies would not. Similarly, if your home is irradiated by a nearby power plant youre not covered. \n. \nNatural disasters\nIf your home burns down in a wildfire and you live in a remote cabin or your home is rattled apart by an earthquake, inundated by a flood you may not be covered. \nSimilarly, if youre the victim of a landslide, however, youre pretty much on your own. That kind of earth movement usually isnt covered, so it pays to get a geologists report before buying any home near a cliff or on a hill. Both earthquake and flood insurance are available as stand alone coverage.\n. \nNeglect\nIf a tree topples over in a windstorm and crushes your house, youre covered. If your home collapses because of a termite infestation, youre probably not.\n. \nDogs\nHigh risk pets like a Pit Bull, Rottweiler or wolf hybrid may result in your insurance getting very expensive -- if you can persuade your insurer to cover you at all. \n. \nIntentional damage\nIntentional damage by an insured person -- or by the persons spouse, children or relatives living in the house -- typically isnt covered. Estranged spouses often come into a gray area. Although they may not live in the home, they may be listed on the policy or the property deed and be considered to have an insurable interest in the home. \n. \nComputer equipment\nMost computer equipment is covered but only to a specific limit. If you have a computer for you, your spouse and each of the three kids you should check you policy and consider adding additional coverage above the standard limits.\n. \nLuxury items and collectibles (coins, guns, artwork, jewelry etc)\nJust like computer equipment, most of these items have specific limitation. You can add a rider called Scheduled Personal Property for additional coverage. (MORE)
Answer . I doubt it, unless you have an inland marine policy (and you ask about H.O.), it is not a coverd peril. I'm so sorry.
Home building insurance will generally cover everything that forms part of the building, including the foundation. You need to ensure that you have your home insured for enough to completely rebuild your house if it was completely destroyed. Most insurance companies will have a provision for removal… of debris from the site, but it is worth checking as you may need to increase the sum insured to cover costs associated with removing the remains of your home before rebuilding can begin if there is a total loss. (MORE)
Yes, 100% coverage if you covered it with a rider. If not, than a small % as allowed by your policy subject to your deductible.
\nA lot. Are you asking what parts of the building are protected? Or are you asking what types of damage are covered? We can't help without a more specific question.
Yes, unless otherwise stipulated in your policy, In General, a Home Owners Insurance Policy will cover certain other permanent structures on your residential property incuding fences.
Damage done by the leak will be covered. The pipe itself (along with any thing they need to tear out and replace to get to it) is not.
No Homeowners ins. does not protect you from termite damage. You would have to have a contract with a termite company that is insured and the warranty would have to be a re treatment and repair policy. Treatment is required for this warranty however and normally cost between 600-1500 dollars.
Homeowners insurance covers the house itself should it be damaged. Many of the policies include liability insurance so that if anyone is injured there you have protection. There are some types of mortgage insurance that cover the remaining mortgage should the owner die. But, if the lender does not r…equire it due to a low down payment, one would have to specifically buy that. (MORE)
Generally not. Insurers take the position that mold grows over a period of time and is not the sudden and unexpected occurrence that insurance normally covers. Recent policies have express exclusions for mold coverage. However, if mold is found in the course of repair of a covered loss (for exampl…e, a tree fell on a house and it had to be partially reconstructed), as likely as not the mold-damaged area would be repaired if it were part of the repairs necessitated by the covered loss. (MORE)
No, Cash, bullion, stocks and bonds and other negotiable paper are excluded from a homeowners insurance policy.
no. an air conditioner is a household appliance the same as a washer or dryer. however there are service contracts available to cover all these major appliances which is really insurance. prices vary by appliance and age
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.
its a gray area in the policy - but property of others would be covered at your request
damage by birds, animals, vermin, insects are generally not covered but check with your agent or insurer to be sure
No, water wells are not typically covered under homeownersinsurance policy. The company that installs the well usually has awarranty that may cover damages, or malfunctions.
If i go out of town and live the water running from the sink wouldmu homeowners cover the claim
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.
It is not meant to be a maintenance policy of the home. If your electrical is broken from wear and tear then it usually wouldn't be covered. If there is a random occurrence and it causes other damage then there may be coverages afforded.
No, your homeowners insurance does not cover tenants nor any oftheir property or liabilities. actually, the presence of tenantswithout the presence of an owner can void all coverage and nullifythe homeowners insurance policy. If the occupancy status of your home changes, contact your agent. Leased… homes require landlords insurance. Vacant homes require a vacant property policy. (MORE)
It depends on what caused the leak, Fire? Wind? Hail Storm? Tornado?,, Yes it would be covered. Old leaky or broken pipe? you just need a plumber, that would benormal and expected maintenance not covered under homeownershazard.
Call your Insurance Agent, he or she should be able to advise you of your coverage. You could also refer to your policy language and look for the terms "Mold or Fungi". Bare in mind that many homeowners policies now exclude coverage for mold or fungi unless you opted to purchase additional cov…erage. Most Mold and fungi is considered a maintenance issue and coverage is provided through endorsement for an additional premium these days. (MORE)
Home Insurance for Skunk Vandal? No. A skunk is not a vandal. it is a pest and this is a maintenance issue. If your home foundation is properly skirted and vented a skunk could not get under it. Also a skunk odor is a temporary odor that will dissipate usually in a few days or a week or two at …most. It may be a nuisance but it is not a covered peril under the terms of a homeowners insurance policy. If you want to get rid of the odor a little faster just throw some tomato juice around wherever you think the skunk sprayed. It should accelerate the dissipation of the odor. It would not make since for an insurance company to spend thousands of dollars in claims adjustment time just to send someone to your home to spray around with a 5 dollar bottle of tomato juice. If you insist they do this then they will probably cancel or non-renew your home insurance policy due to a nuisance claim. Answer Well, a skunk sprayed in my house! And I do believe it should be covered under the vandalism clause. As of now they are saying no but have yet to respond to me regarding it being covered under the vandalism clause Answer The only way would be if someone purposely put a skunk in your home knowing it would spray. (MORE)
Depends on the policy, type of grill, etc. Seemingly, anything that can possibly go wrong is specifically excluded somewhere in the fine print.
If you have additional or other structures coverage on your home insurance policy and the deck was damaged by a covered peril such as wind, hail, lightning, etc then you should have coverage for the deck subject to your deductible. If your deck is simply worn from the expected usual wear and tear… then it is not covered as that would be an owners maintenance issue. (MORE)
No - not unless it is equipped to service your residence premises (plow or other attachment) or it is somehow designed to assist the handicap
Yes, If your roof was damaged by a covered peril on your Home Insurance Policy then you have coverage. If your roof is just old and is due for a replacement then that is part of the home owners maintenance responsibilities and is not covered under your policy. Roofs occasionally have to be rep…laced when they reach the end of their life expectancy much the same way you need to paint every number of years. It's just normal maintenance. Failure to maintain your home in a reasonable condition can result in cancellation or non-renewal of your Home Insurance Policy. (MORE)
Honestly, it depends. It depends on the type of policy you have and it depends on the type of loss. Was the TV hit by lightning? Might be covered. Did the TV just stop working because the kids poured soda over it? Not covered. Many times, a TV would fall below the deductible amount, so it would not… be covered, even if the event to cause the claim was a covered event. Best to contact your insurance agent for your particular situation. (MORE)
Flood Insurance No. Homeowners Insurance does not cover Floods in the United States. You will need to purchase a separate Flood Insuurance Policy for your home to be covered for a Flood.
If Your dishwasher is just malfunctioning and needs a repair man then NO, Your home Insurance Policy does not cover Appliance Maintenance. A good home insurance policy should in fact cover damages to your home caused by a dishwasher if you have coverage on your policy for Water Damage, But it… will not cover the dishwasher itself unless it was damaged by a covered peril under the terms of you insurance policy. (MORE)
Homeowners insurance generally does not provide coverage for settling. This is considered a natural and expected occurrence over time. However depending on the age and purchase date of your home. You may have coverage for such issues under your Home Buyers warranty that would have been purchased …through your Realtor when you bought the house. (MORE)
Typically Trampolines and resulting injuries are not covered under your homeowners insurance policies. Most companies automatically exclude coverage for damages and injuries arising from the ownership of a trampoline. Most companies will also schedule your home insurance policy for cancellation i…f they discover that a trampoline is located on the property. (MORE)
Contact your insurance agent. If you have additional structures coverage and your well meets the definition of an additional covered structure on your policy you may have coverage. Bear in mind that additional structures will be covered for the same perils as your main structure. Typical perils a…re Fire, Wind, Hail damage etc per your schedule of covered perils. (MORE)
Homeowners insurance does not cover land. It covers the insured structures located on the land.
If you have scheduled the collectible items with your insurance company on your policy and paid the required additional premium then they are covered, otherwise they are not covered. Other items that are not covered under a homeowners insurance policy unless scheduled are; fine jewelry, antiques, f…urs, artwork, stocks, bonds, cash and other negotiable paper. (MORE)
It covers your negligent actions anywhere in the world as well if someone sues you your laibility coverage will kick in and they will defend you. There are some other coverages in there as well but would need to see policy as all are different
It depends on what level of insurance you purchased. Some policies are based on Replacement Valuation and will pay tocompletely rebuild the home in the event of a covered loss. Otherpolicies are based on ACV or Depreciated value and may not provideenough coverage for reconstruction. It just depend…s on how much coverage you bought when you shoppedyour policy. (MORE)
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. If you have a loss the company will replace damaged items with same kind and quality. If you want to upgrade the eg. carpet or cabinets you will have to pay the additional cost yourself.
The fence is covered. If the fence is attached to the house then it is considered part of the dwelling. If it is not attached to the house then it is considered part of other structures. In either case coverage depends completely on whether or not the damage was because of a covered cause and that i…t exceeded the deductible enough to justify making a claim. (MORE)
Your HVAC is covered under your homeowners insurance for the same perils as your home, such as Wind, Hail, Fire lightning etc and subject to the applicable deductibles. See your Home insurance policy for schedule of covered perils.
No. Homeowners insurance is "Property" coverage. Murder is a criminal offense and is not a covered peril under a home's property hazard insurance policy. Homeowners insurance does not provide liability coverage for criminal acts nor is it a replacement for a life or death insurance policy.
It really just depends on what type of policy and the scope ofcoverage you select. Typical perils covered are things like Fire, Wind, Hail, lightning,falling objects and many others. Talk with your Insurance Agent about risks you may face and theavailable coverages in your area.
Yes, Homeowners insurance can cover plumbing damage when caused by a covered peril such as lightning, fire, wind, hail freezing etc. Refer to your insurance policy for covered perils. If your plumbing is just old or stopped up then that would be an owners maintenance issue. Homeowners insurance d…oes not provide for maintenance. (MORE)
Cell phones are covered as are any other contents if damaged by a covered cause such as a fire. The problem is that all homeowners policies have deductibles. It is not adviseable to make small claims on homeowners policies. They are made for large issues such as a fire or other large claims.
It depends on the insurance policy. You can always call your insurance agent and ask him or her to clarify your coverage. Just FYI - when it is covered, you are usually supposed to contact your insurance company ASAP when you discover the damage in order to start the claims process.