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.
no it can not
Yes, unless the estate has made arrangements to continue the coverage.
In the past, I have had to pay more for my homeowners insurance, because I have pits, yes.
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.
Nope! Because your dead!
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.
Inexpensive Home InsuranceNo, It is not hard to get Home Owners Insurance just because your home is inexpensive.
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.
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.
No, because motorcycles & ATV's are motor vehicles.
yes it does i know because someone broke our fire-pit and insurance covered it
HO insurance does not like Those dogs or Pit Bulls amongst others. Why? Because they are baby chewers!
Yes,, Any driver who does not meet the insurers underwriting guidelines can result in the entire policy being cancelled.
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.
Every Insurance company has it's own underwriting guidelines. So it just depends on the company.
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.
Yes, actually the largest amount of non renewals for home insurance are due to claims.
Yes. The insurance company will pay their portion of the claim which does not include the deductible because that is your portion .
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.
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.
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.
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.
What is it leaning from? If it's leaning because of some sort of ground settling, no.