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You will need to read your policy to determine what your homeowners covers. Homeowners policies have a deductible and also demand proof of loss. During a hurricane, I lost electrical power. After the hurricane the insurance company offered to reimburse me for any food in my freezer except I had a deductible of $500. As I had food worth about $50, I did not use my homeowners.
Read your homeowners. How much money did you have in your wallet. Where was your wallet when it was stolen? Was it in your house? Was there a robbery? What is your deductible?
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What does an HOB home owners policy cover?
You are probably referring to an HO-3
Does home owners insurance cover everyone in the house?
That would depend on the wording of your policy.
Will a home owners policy cover a motorcycle burned in a fire?
If the motorcycle was inside the garage of the house, most likely it will be covered. Check your policy.
Does home owners coverage cover theft of a trailer taken from th insured home?
No. A trailer has to have it's own insurance policy.
Does home insurance cover brick damage?
It depends on what caused the damage to the bricks. Did a car run into your brick home, Then the drivers Auto Insurance policy should cover it. Did a storm blow out your bricks, Then your home owners policy would cover it if you have wind storm coverage. If your home is just old and the bricks are crumbling due to age or lack of maintenance, then they may not be covered on your home owners insurance policy. Home owners Insurance, just like auto insurance does not provide coverage for normal wear and tear or for normal maintenence issues.
Does home owners insurance cover flood in crawl space?
Depends on your specific policy terms and what caused the flood.
Does Home owners insurance cover bodily injury for family members?
No, That's what you major medical insurance policy is for.
Does home owners insurance cover a replacement tree that was 100yrs old?
It just depends on what type of policy you purchased and what coverage you have. Some policies cover shrubs and trees while others just cover the structure and owners liability. If you have a broad homeowners HOC or "All Risk Policy" then it probably will.
Will your home owners insurance cover stolen wedding ring?
If it is scheduled on your policy and premium was paid, the wedding ring would be covered for the perils specified on the policy.
Will your own home owner's insurance cover your damages if your Texas neighbor's pit bull bit you but neighbor's home owner's excludes dog and neighbor has no assets?
No, Your Home Owners Insurance policy will not invoke. Your neighbors Home Insurance policy will also not cover if the animal exclusion exists on the policy. there will be no coverage forthcoming from your neighbors Home Owners Insurance policy. It has become common practice to exclude damage and injury resulting from ownership of vicious animals from Home Owners Insurance Policies around the country. Your Own Medical Insurance Policy however will invoke and afford coverage for your medical expenses. Other expenses such as loss of income may also be covered by your medical insurance depending on the coverages afforded by that policy.
Does home owners insurance cover repair of garage doors?
If your garage doors were damaged by a covered peril as defined by your home insurance policy then the door would be covered.
Does home owners insurance cover tornadoes?
Check your policy for the extended coverages of wind and hail storms. If you have it then yes you will be covered for tornado damage.
