I'd just go spend a hundred dollars on a variety of cleaners and odor removers and then air out that area of the house as much as possible, throw out anything that was absorbent. Probably still less than the deductible. Not to mention the possibility of an increased premium at renewal time due to prior claims and a loss of any claim free discounts.
AnswerTo add, to that response, it depends on your insurance company. The standard exclusion under almost every homeowner's policy with regards to this: "birds, vermin, rodents, insects, or animals owed or kept by an insured".... Read between the lines- its not an absolute animal exclusion as original response suggests. Pull your policy and read it. AnswerSo, a skunk is not a bird, rodent, insect, nor an animal kept by you (I would hope), BUT, they MAY be considered "vermin". Now, I have had 2 clients with the same claim (skunk contamination), one insurance company covered it, but the other did not. The one that did not cover it felt skunks fell under the "vermin" definition. If your insurance company defines skunk as vermin, i would suggest you find a new insurer. Even worse, if they try to invoke the "pollutant" exclusion, fight them on it! The company that covered the skunk claim has a 5 letter name, begins with "C" and ends with "B"...Source- 10 years insurance industry experience.
It's doubtful. Most homeowner policices won't cover certain animals. Vermin, rodents, insects, etc. Even if they don't consider the skunk a excluded animal its "stink" is considered a pollutant which is specifically excluded from most policies. So if your home is sprayed by a skunk your insurance policy won't be able to help you out. It stinks!
Not very likely, You can buy odor neutralizers at most drug stores for less than $30.00 you can use in the wash cycle that will get rid of the odor. Most home insurance policies have a deductible that starts at $500.00 or more.
All of them do.
No.
income taxes ? no insurance payments are exempt
No.
Sure, you can make a claim for the damage done to the car if you have physical damage coverage. As for the home, only your home insurance will pay for the damage to the house. The house insurance will not pay for a car and an auto policy will not pay for a house. Even if the same incident gets both.
No. If there are no mortgage requirements that you carry insurance then it is completely up to the home owner.
Content house insurance covers the items, or content, of the home itself. It does not cover the home as a structure and you will need separate insurance for that.
Normally when you buy a house, you will be required to get home owner's insurance and pay a deductible. If you can pay the deductible, you may lose your homeowners insurance.
Yes. If you pay cash for your house then you do not have to buy insurance. The only time you have to buy insurance on a house is if you take out a mortgage, the lender will probably require you to have insurance. That is in case the place burns down, it protects the banks collateral.
The amount you should expect to pay for house contents insurance will vary depending on the value of the items you desire to be covered by that insurance. Luckily, there are numerous "calculators" available on the web that you can use to make a list of your covered items and get an estimated amount of what you can expect to pay in insurance for those items.
Actually, the home owner pays the home owner's insurance. The lender has an escrow account. This is in additional to the payment of interest and repayment of principal. The escrow account pays the taxes and insurance. The escrow account pays the taxes so the government does not seize the property. The homeowners insurance pays in case the house burns down. So, you pay into the escrow account, and if your house burns down, the lender gets the insurance money. You would not pay a mortgage on a burned down house and the bank knows that, so they have you pay into the escrow account and they pay for the insurance.