Can homeowner's insurance help if you were held hostage in a home?
Home Hostage Situations No, Home owners Insurance would not be able to help you in a hostage situation. You should contact your local authorities or call 911.
Homeowners Liability Insurance does not provide coverage for illegal or criminal acts of the insured nor of others. However if your home was damaged as a result of the hostage situation or some other crime, your home insurance property coverage should still provide coverage for those damages.
Yes, if you were to experience a covered loss while being held hostage, I see no reason that your claim should be denied solely because you are a stuck in a hostage situation. If you are indeed being held hostage, and need to file a claim, simply sit down with your captor and explain the situation, compliance is likely. Let him/her know that most experienced property adjusters have seen there fair share of strange things and know when and when not to ask questions, besides, at the forefront of the adjuster's mind is the gross dollar amount of your claim and how quickly it can be closed so he/she can bill the insurer.
** If someone is a hostage in your house and you have homeowners' insurance (inclusive of personal injury liability AND not excluding false arrest, detention, or imprisonment) and the hostage situation was not caused by or at the direction of an insured then your homeowners' insurance should respond if someone files a claim against you for the situation, subject to any other terms, conditions, and exclusions within the policy.
If you are required to carry homeowners insurance by, say, the bank through which you have your loan, you can switch to another provider for insurance at any time (there are a few forms you would need to fill out, but your new agent would be able to help you with that). You wouldn't be able to switch to another kind of insurance, though. The new policy would need to be a homeowners policy.
What help can I get with repairs to my roof after so much rainfall from my property insurance help.?
If there is a great deal of damage done to the roof of your house and no company will finance you will your insurance company help you?
Most homeowners insurance companies do not provide mortgage financing. Any damage done to a home, such as hail, wind, fire, etc. should be covered by the homeowners insurance. If the roof is just "worn out" it is the homeowners responsibility This is considered normal and expected maintenance incidental to home ownership.
No, When you rent your home out to someone your Homeowners Insurance Policy is automatically null and void whether or not you have notified your insurer. If you have become a landlord you need to purchase landlords insurance for your property. This is done by obtaining a Dwelling Policy with a rental dwelling endorsement. Just contact your insurance agent and he can help you place the right coverage for your tenant occupied property.
Does homeowners ins provide care for elderly hospice pt after hospital won't let them stay and house is without power?
Umbrella insurance is extra liability insurance. It is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. It does this in two ways: Provides additional liability coverage above the limits of your homeowners, auto, and boatinsurance policies.
Express Insurance offers auto insurance along with homeowners insurance. There motto is direct savings and local service. Although they have stricter qualifications for their polices, they want to provide better service to the policyholder who qualify. They have a quick quote section section on their website that will help you compare rates quickly!
Not likely. Most insurers would consider a well pump to be a homeowners maintenance issue. Well pumps require replacement form time to time. they are a mechanical device and they just break down and die after a period of time depending on usage and ground and well condition's. It's no different from needing to do occasional mechanical repairs on your automobile. A warranty might help you if it's still in force but your auto insurance…
It just depends on the type of policy your purchased. You may want to contact your insurance agent if you need help determining your coverage. Most Homeowners insurance policies will only remove the tree debris if the tree also caused damage to your home. Otherwise it's just another felled tree and considered a homeowners maintenance issue. The cost of hiring someone to haul tree debris away is usually far below the cost of your insurance…
How do you find the protocol for collecting on an insurance policy held with The Franklin life insurance company in Springfield Illnois?
First, a homeowners policy is not what you need for rental property. A homeowners policy is only for a house that is owner occupied. For a house that you rent to others you need to purchase a tenant occupied dwelling fire policy. You must have the proper policy for the situation that you have. The coverage under a homeowners policy ceases when the owner has not lived in the home for 90 days. You need…
What movie is it that a woman is held hostage while her son is at school and her only source of help is by using a smashed telephone. And she gets a hold of a guy who saves her and her son?
Vacant home insurance in Michigan is very hard to obtain. One company is Foremost Insurance and they are based right in Caledonia, Michigan. You can find an agent that has Foremost at www.Foremost.com and type in the information to find your local agent. In addition, I think they just had a huge rate reduction to help homeowners like yourself.
No, Your homeowners hazard insurance policy is for losses do to certain hazards such as Fire, Wind, Hail, lightning etc. A home insurance policy does not cover the cost of Landscaping or lawn maintenance. Tree trimming and occasional removal is a normal expected part of a property maintenance and ownership.
Does homeowners insurance pay when the owner falls off the roof and injures a leg that requires surgery and months out of work?
Your homeowners insurance will pay. Whether or not the subrogate to the neighbors coverage is up to them. You may also want to consider a Public Adjuster, who is on your side in this mess. He can help you press your claim and get the maximum you have coming. The average settlement is 42% higher when Public Adjuster is engaged!
We were visiting my mother-in-law and my wife tripped over my dog and broke her elbow will my own homeowners insurance help pay the medical bills?
You have an insurance policy which explicitly spells out what is insured and what kinds of claims you can make, so you might want to read your policy, but I can tell you that the purpose of homeowner's insurance is to protect you from financial loss resulting from damage to, or theft of the property in your home; it is not medical insurance and does not pay medical bills of whatever sort.
Some questions I can think of..... First decide what you want, make a wish list. How much can you afford to spend on rent? Will improvements made help you get a discount on rent from the landlord? What happens if something breaks? Does the owner have homeowners insurance? (you will need your own renters insurance) If you want out of the lease, what are the conditions?
You need to make a claim against the neighbors homeowners insurance for damages. Since it sounds like it was an "act of god" they may not cover the damages. In that case you have two choices, you could use your comp insurance to cover damages, if you have comp coverages on your policy, or pay the damages out of your pocket and see if the neighbor is willing to help out with the charges.
Homeowners Insurance and Lost wages No, Homeowners Insurance typically does not provide coverage for lost wages of a homeowner. They generally do provide coverage for additional living expenses during a covered loss that will help you pay for temporary living accommodations such as a hotel bill or a temporary apartment while your home is repaired. By providing additional living expenses it is reasoned that any loss or work could be kept to a minimum helping…
Most policies will cover fire/smoke damage caused by any event other than arson. If the fire was accidental in nature more than likely your insurance company will cover the damage to your home. Call your company and report the claim. If the company does not cover the damage contact an attorney in your local area who specializes in first party insurance law. He/she will be able to help you.
not sure what you are referring to as a ''property'' insurance policy........ homeowners policy, direct physical loss would mean......(the key here is ''direct''), the tree fell on the house causing a 'direct' loss to the roof, and an ''indirect'' loss to the interior dwelling from the rain that came in.......if you could be more specific I'll try and help more..........
It depends on the policy. Some pay claims based on "actual cash value" and some pay claims based on "replacement costs". It depdend on what you want and what you need. There are requirements and penalties on each policy based on which one you purchase. This is why you need a good knowledgeable insurance agent to advise you and help you choose the correct policy.