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if they don't meet the definition of an insured (related to you or under 25 and in your care) then they would be excluded from coverage
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∙ 15y ago
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How do you get homeowners insurance to pay for mold damage?
Mold is usually excluded from coverage. Read your policy; if same is not excluded, it is included.
Will nationwide give me homeowners insurance with a german shepard?
Probably not. German Shepherds are one of the breeds listed on the homeowners applications that are excluded from issuance of a homeowners policy. Also excluded are those who own a trampoline, due to the increased risk of liability.
Will your homeowners insurance provide coverage for an automobile collision?
No. Automobile-related occurrences are not covered under homeowners insurance. In fact, they are expressly excluded.
Does homeowners policy exclude adults and minors from bodily injury on property?
I don't really understand your question as it is written. If the people you are talking about are residents of the household then they are excluded from bodily injury coverage under the policy. Medical Payments and Liability only covers other people, not people who live in your house. The protection is for you in that it protects you from claims of negligence on your part if someone is injured by your actions.
Which is best Landlord insurance or homeowners insurance?
It is not a question of better, it is a question of different. Coverage intended for a landlord does not generally include contents coverage. Instead, it covers the structure itself and may include liability insurance for those accroutrements which may pose a hazard to third parties for which the property property owner may be liable. Homeowners insurance is for someone who owns and occupies the property. It generally covers property damage to the structure (certain risks may be excluded, however), contents, and liability coverage. It is a package policy and generally affords a broad range of coverages.
Can you sue your own insurance company on your daughters behalf for the murder of her father?
It would depend on what kind of insurance you are talking about. If you are talking about homeowners or liability insurance, it would depend on whether it was felt there was some sort of liability to someone. Usually "intentional acts" are excluded from coverage so it is highly unlikely a claim against an insurer would be successful.
Does it cost more to excluded driver?
Having a person on your car insurance listed as an excluded driver can actually save money rather than cost more. The excluded driver will need no coverage or liability when it comes to the vehicle they are listed for.
Does homeowner insurance cover tenants who live in a duplex if they fall and break ankle?
No. Homeowners insruance excluded residents of the property. Their medical insurance is responsible for this only.
Does homeowners insurance cover damage of your car in a house fire?
no motor vehicles are excluded - it would be covered under your auto policy provided you have comprehensive coverage.
What is a risk specifically excluded from a homeowners insurance policy?
If you take a look at the "Exclusions" section of your policy you will see several perils which are specifically excluded. For example, if your home is damaged by "war" then your insurance company will not provide coverage for the loss. There are several excluded perils. Take a look at your policy for more examples.
What is an xcu exclusion?
THe "XCU" Exclusion is a euphemistic term for an exclusion that once applied to Standard General Liability policies that exlcuded the perisl of Ecplosion, Collapse and Underground Coverage. In the late 80's to early 90's, most standardized General Liability policies no longe excluded this coverage.
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.
