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That is a liability issue and generally policies are not cancelled for liability. You of course required your tenants to get renters insurance so their own personal liability insurance would pay.

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βˆ™ 2006-07-30 22:35:16
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Can your homeowners insurance be cancelled because of an auto DUI conviction?


Can homeowners insurance be cancelled because all sinkhole damages not repaired?

Yes, your homeowners insurance policy can be cancelled or non renewed if the insurer determines that your home or property has hazardous conditions. Especially if the homeowner has already collected on a claim and failed to make the necessary repairs.

Can car insurance be cancelled because of old age?

no it can not

Can a homeowners policy be cancelled because of death?

Yes, unless the estate has made arrangements to continue the coverage.

Do pit bulls increase your insurance?

In the past, I have had to pay more for my homeowners insurance, because I have pits, yes.

Does homeowners insurance cover galvanized pipe?

Sure, as long as the damage was from a covered cause. The key to homeowners insurance is that the damage is due to a covered cause. If you a re searching to see if your insurance will pay for replacing the pipe because of lack of maintenance, no it will not. Maintenance is not covered on a homeowners policy.

When someone kills you with their car can you go after their homeowners insurance?

Nope! Because your dead!

Can your home owners insurance rates go up due to a claim of a natural disaster?

Generally homeowners policies are not increased due to claims. Perhaps a company may have a discount for being claim free that might make it go up after a claim because you loose the discount. One thing to remember is that a homeowners policy is made for big claims and not little claims. Claims history is judged by frequency as well as claim amounts. The easiest way to get cancelled is to start making small claims. I recommend keeping a $1000 deductible or higher and only use it for large losses. Homeowners Insurance is a loosing business for the last few years and the worst thing you can do is to get cancelled because it is getting harder and harder to find good homeowners insurance at a good rate.

Is it hard to get homeowners insurance for an inexpensive home?

Inexpensive Home InsuranceNo, It is not hard to get Home Owners Insurance just because your home is inexpensive.

Why don't homeowners like obtaining empty house insurance?

Homeowners do not like obtaining empty house insurance because they have to pay extra money even though they are not living there. This insurance is useful in protection against vandals and accidents.

Homeowners insurance and basement flooding?

If you are filing a homeowners insurance claim because your basement was flooded then be sure to be specific when making the claim because most homeowners do not have flood insurance. If your basement flooded as a result of a broken or leaky pipe or from some other cause from inside the home then you should be fine but if your basement was flooded as a result of an outside source then you may not.

Does homeowners insurance cover stolen ATVs?

No, because motorcycles & ATV's are motor vehicles.

Do homeowners insurance cover damage done by neighbors?

yes it does i know because someone broke our fire-pit and insurance covered it

Will homeowners insurance cover you if you have a Rotwieler?

HO insurance does not like Those dogs or Pit Bulls amongst others. Why? Because they are baby chewers!

Can insurance be cancelled because of secondary driver?

Yes,, Any driver who does not meet the insurers underwriting guidelines can result in the entire policy being cancelled.

Is insurance required for private roads owned by a homeowners association?

No--unless it is required by the HOA bylaws or CC&Rs. However, having liability insurance is advisable for a homeowners' association because of the expense and burden of lawsuits in today's world.

Can you be denied homeowners insurance because you have backyard chickens?

Every Insurance company has it's own underwriting guidelines. So it just depends on the company.

What should a homeowner do if their homeowners insurance was cancelled because of a dog-bite claim for 25k?

Shop for a new insurance carrier. If still no luck, then it becomes what is referred to as "Assigned Risk". Generally, it takes 3 or more refusals to issue before that is considered. Assigned risk means that the state in which the property is located, assigned your policy to a insurance carrier. Very expensive, as you can imagine.

Can homeowner's insurance be cancelled because of a wind damage claim?

Yes, actually the largest amount of non renewals for home insurance are due to claims.

If my insurance company deducts my deductible from a homeowners claim do i still pay the deductible?

Yes. The insurance company will pay their portion of the claim which does not include the deductible because that is your portion .

Does homeowners insurance cover theft by one guest from another guest?

No. The property of your guest is not and can not be scheduled on your homeowners policy simply because it does not belong to you. You also can not be held liable for the criminal acts of another.

Does homeowners cover injury to grandchild living in home?

No. Your homeowners only covers injuries to someone who does not live in the house. This is because this is paid underneath your liability insurance and you cannot be liable against your self.

Does homeowners' insurance cover foundation repairs?

No. Unless the foundation problem happened because of an earthquake or flood (and you have insurance to cover both catastrophic events), then your insurance will not cover something that has degenerated with time.

Who do you call if insco does not address your mold probem?

First off, no homeowners insurance has ever been made that covers mold. In the last few years due to litigation some companies have added a limited amount of mold coverage to their policy. Mold is a maintenance issue and should not be covered by homeowners insurance. The only reason that some are now is strictly because of one lawsuit by Ed McMann who sued his insurance company and ended up being awarded more that the home cost just because of who he was and the jury's incompetence. Homeowners insurance is made to cover items that are the result of covered causes only and basically incidents that are sudden and accidental. Because of this suit everyone's home insurance in the nation has increased. Many states have allowed companies to specifically exclude mold damage. Some have not. Even so mold is not a covered cause on any policy.

Will homeowners insurance cover a main beam that's leaning?

What is it leaning from? If it's leaning because of some sort of ground settling, no.