Your personal property coverage specifically excludes "animals, birds or fish".
You could attempt to make a liability claim against your friend, and their liability coverage might apply, but that could have serious consequences for your friend's rates and future insurability.
You'd have to consult an attorney to go that route. In your situation, this could be a difficult claim to prove. You might be better off leaving things alone.
Your homeowners insurance will cover your garage door subject to your deductible since it is part of your house. Your Home insurance does not cover damage to a vehicle though. That's what Auto insurance is for. Your friend will need to contact his auto insurance to fix his vehicle.
If YOUR belongings were in the friend's car and they were stolen, they are covered on YOUR homeowners or renters policy. If your friend's belongings were stolen from a car, HIS or HER homeowners/renters policy would pay.
There are a substantial amount of business that offer homeowners insurance in your area so without the specific name of yours I am unable to find out where you should go to get your policy number. If you are looking to find your existing insurance information then you should conduct a search on the internet using the insurance company name and city which should bring it up. If you are looking for new insurance company you could contact Allstate which has a very good reputation @ 345 South Coast Highway 101 in Encinitas @ (760) 479-1370
no your uninsured motorist will though. your deductable will be lower, and making too many claims on homeowners will likely caused them to be dropped by the company. i once heard you can only make a claim on homeowners once every 3 years but i don't know if that's true.
ross
On a bus
Domestic animals are not covered under the homeowners policy. As it pertains to a liability situation, a dog would be considered 'property' and the homeowners "damage to property of others" provision in the liability section of the policy applies but only if you were the one who injured the dog, usually with a limit such as $500.
Having a felony on your record can affect your ability to get approved for homeowners insurance. Insurers may view someone with a felony as a higher risk, which could result in being denied coverage or paying higher premiums. It ultimately depends on the insurance company's policies and guidelines.
Yes. Homeowners policies provide coverage for theft or any other covered cause such as fire, tornado, etc. when the property is located off premises. The amount of coverage is generally 10% of coverage C (Contents) for property located off premises. This covers property at a friends house, in a hotel on vacation, in your child's dorm room at college, and just about anywhere else. Homeowners policies is probably the best value there is in insurance due to the amount of coverages it provides for the low premiums.
ABSOLUTELY NOT. You cannot insure a vehicle that you do not own on your insurance policy no matter what kind of coverage you have. Your insurance policy will not pay anything even if you have added the vehicle on your policy without their knowledge.
Mr. Hackels
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