It depends on the liability part of your policy, which covers problems caused by people in the home. However, water damage is a tough call depending on what kind of leak or action caused it. In short, the better thing to do is to have the boyfriend pay up for the damage he caused.
Yes, Homeowners insurance typically does provide coverage for losses that result from an accidental fire.
Homeowners insurance covers what is inside the home. Check your auto insurance for auto damages.
Of course not. Scabies is a skin condition caused by a type of mite. There is not way that this would be covered under a homeowners insurance policy
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!
Only if you have earthquake coverage. A regular homeowners policy excludes damage caused by ground movement or earthquakes.
Yes, but you would have to pay what your homeowners deductible.
Accidental, Yes. Intentional, No
It could, But just as with most insurance issues. It all depends on the type of coverage you purchased. The best source of information is your insurance company or your insurance agent to determine the scope of coverage you selected when you purchased your policy.
Homeowners insurance covers many things, but not faulty construction or damage caused by deferred maintenance. You will have to check with your insurance company to see if the problem and its cause are covered.
Probably not. Usually a septic system backup is caused by a maintenance issue and not by a covered cause that would be covered on your homeowners insurance.
No. This is not a covered cause under a homeowners policy. This is something that was caused by the homeowners neglect which is not covered under the terms of the policy.
No. Movement of earth is specifically excluded by homeowners insurance. This is the fault of the builder for not compacting the earth properly and providing the proper foundation. Home insurance was not made to cover such.