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Does homeowner's insurance cover damage to the house caused by boarders living with the owner and policy holder?
Wiki User
Answered 2011-07-20 09:06:48
Intentional or negligent damage caused by a household resident are not covered under an owners policy.
You could seek coverage from the liability portion of your tenants renters policy.
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Does homeowners insurance cover fire damage caused by a visitor?
Yes, Homeowners insurance typically does provide coverage for losses that result from an accidental fire.
Will homeowners insurance cover damage to personal vehicles at the home caused by someone else?
Homeowners insurance covers what is inside the home. Check your auto insurance for auto damages.
Does homeowners insurance cover water damage to walls and floors if caused by woodpeckers?
Probably not. Homeowners usually do not pay for damage caused by pets, wear and tear nor common maintenance issues.
Does my homeowners insurance cover damage to my property caused by tree roots from a neighbor's tree?
Yes, but you would have to pay what your homeowners deductible.
Will homeowners insurance cover a cracked foundation caused by an earthquake?
Only if you have earthquake coverage. A regular homeowners policy excludes damage caused by ground movement or earthquakes.
Does homeowners insurance cover damaged garage doors?
It depends on how the damage was caused. It must have been caused by a "covered cause".
Does insurance cover damage caused by prior owner?
Pre Existing DamageNo. Your Homeowners Policy would not cover pre-existing damage.
Does homeowners insurance cover your mortgage if you are laid off?
No. This is not what homeowners insurance is for. Homeowners insurance is to pay for physical damage to your home and contents.
Does homeowners insurance cover damage caused by a repair man?
Not generally. If the repair man is responsible for damage, he is also responsible to repair it.
Does homeowners insurance cover damage to floors caused by an accidental spill?
No, this is considered normal wear and tear.
Should homeowners insurance cover cars in garage fire?
No, unfortunately it does not. Your homeowners insurance covers damage to your home. Your auto insurance covers damage to your car.
Will homeowners insurance cover damage to the neigborh house by your car?
No. You homeowners insurance specifically excludes motorized vehicles. You auto insurance will cover damage you did to their home with your car. Your homeowners is not designed to cover damage you do with your vehicle under any circumstances.
Does homeowners insurance cover a fireplace falling through the floor?
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.
Does homeowner insurance cover damage caused by rodents?
Generally, homeowners insurance policies exclude property damage that is caused by rodents (vermin). This type of damage may occur over a long period of time and not meet the definition of "sudden" loss.
Does homeowners insurance cover sprinkler system?
Your homeowners insurance should cover damage to your sprinkler system if the cause of the damage is covered by your homeowners insurance policy such as fire, lightning, freezing of pipes, etc. Homeowners insurance is not a maintenance policy and will not cover mechanical failure of your system.
Homeowners Insurance?
form_title=Homeowners Insurance form_header=Protect one of your most important assets with homeowners insurance. Get the homeowners coverage options to suit your life. Do you already own homeowners insurance?= () Yes () No Does your current homeowners insurance cover flood damage?= () Yes () No () Don't have homeowners insurance Are individual items in your house, such as your TV, covered by homeowners insurance?= () Yes () No () Not Applicable Are you looking to get homeowners insurance or update your current insurance?= () Get Insurance () Update Insurance
Does homeowners insurance cover your child damaging the neighbors vehicle?
No, Your homeowners insurance does not cover vehicle damage. That's what auto insurance is for.
Does homeowners insurance cover a broken grill due to storm damage?
no it has nothing to do with your grill cause its homeowners insurance.
Where can you get homeowners insurance for a home that has had a fire?
If the fire damage has been repaired, you can get homeowners insurance from any company of your choosing.
Does homeowners insurance cover damage from africanized bees?
No. Insects are not a covered cause under any homeowners policy. Africanized honey bees should not really cause damage to your home unless you caused damage while trying to get rid of them.
Does homeowners insurance cover a vehicle if it got hailed on while on the property?
No. Homeowners Insurance does not cover Hail damage to an Automobile.Hail damage to an automobile is covered by the vehicles Auto insurance policy. Vehicles are not scheduled property on a homeowners policy.
Does homeowners insurance cover plumming?
Yes, Homeowners insurance can cover plumbing damage when caused by a covered peril such as lightning, fire, wind, hail freezing etc. Refer to your insurance policy for covered perils. If your plumbing is just old or stopped up then that would be an owners maintenance issue. Homeowners insurance does not provide for maintenance.
Will homeowners insurance pay for structural damage caused by a contractor or sue the contractor on my behalf?
HO insurance policies are typically all risk and as such would cover such loss
Does homeowners insurance cover water damage due to a dishwasher breaking and leaking?
Yes, most homeowners insurance will cover this type of damage. You need to read your specific policy for exclusions for water damage.
Should homeowners insurance cover water damage that was caused before you moved in?
No. Your policy will only cover damages which were caused by a covered loss during the policy period.
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