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You can not buy Life Insurance if you have HIV because it is a disease that can kill with no known cure. There is the option to buy a Guaranteed Issued policy if you can afford the premiums.
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Is water damaged cover by insurance?
It depends on the covered perils of your policy. On some policies there is coverage for water damage and on some policies water is not a covered peril or it is excluded.
Is damage from riot covered?
That is very often excluded from coverage in policies. Read the terms and conditions carefully in all insurance contracts.
Can you claim rat damage on your house insurance?
you can but its not covered so I wouldn't bother
Is barratry excluded in hull policies?
no
If you have a fully comp insurance can you drive any group of car third party?
No, You should refer to your Insurance policy terms and conditions or ask your Insurance Agent. Certain vehicles such as Commercial vehicles and others are excluded from coverage on Personal Auto Insurance policies.
Will homeowners insurance cover crumbling basement walls?
Doubtful, especially if they are crumbling just due to wear and tear or normal deterioration. These are specifically excluded by most policies.
Do homeowner's insurance pay for clean up of a sick guest?
yes - many policies will cover it - they are "all risk" policies meaning it would have to be specifically excluded for it not to be covered - human fluid is not excluded (some strict companies may argue it is a pollutant - that interpretation would depend on your state laws - however - it should be a covered loss, subject to your deductible.
Is there life insurance available to ensure child support that does not exclude suicide?
Suicide is excluded for the first two years on most policies except Colorado where the exclusion is only one year.
Is it possible to purchase additional homeowners insurance to cover foundation and related repairs?
Home policies include this coverage. These are necessary repairs for a large or total loss. I never have known for this to be excluded.
What are the advantages of getting All Risk Insurance?
The biggest advantage for having an All Risk insurance policy is that it covers many perils that may happen to a property, unless the event is specifically excluded in the policy. All Risk policies are usually only written for propery insurance.
Can you exclude your spouse from auto insurance coverage without their knowledge?
Not usually. With most companies the spouse will be required to sign the exclusion. I always recommend my clients against excluding people from their insurance policies. An exclusion takes away all coverages on a policy if the excluded person is driving not matter what the circumstance. Back to you original question, it is up to the insurance company whether or not the spouse must sign to be excluded.
What type of insurance policies are offered by Butler Insurance Service?
The Butler Insurance Service has many policies. They have auto insurance, homeowners insurance, life insurance and business insurance. However the policies differ from state to state.
