Home Insurance is Insurance coverage for your house, condo or apartment for your personal property and liability coverage for you. The insurance coverage for your house is also called homeowners insurance. The Homeowners isurance is an insurance package that has coverage for the dwelling, the others structures on your property, Loss of Use, Medical Payments and Personal Liability.
If you scheduled your personal property on your Homeowners Insurance Policy then it will cover. If you failed to schedule your personal property then it will not be covered.
Property and Liability
It's called "personal liability" coverage, and virtually all homeowners policies have it.
No, Homeowners Insurance does not provide liability coverage for criminal acts of the insured. It does not matter if your on or away from the property.
Not if the injury occurred away from the home No. And also not if any crime was involved.
No. Your homeowners will only cover personal injury if it occurs on the property listed on the policy.
No. Homeowners insurance is "Property" coverage. Murder is a criminal offense and is not a covered peril under a home's property hazard insurance policy. Homeowners insurance does not provide liability coverage for criminal acts nor is it a replacement for a life or death insurance policy.
When you own a home you are libl for nything that happens on your property. Homeowners liability insurance covers you in the event someone i injured on your property. Homeowner's liability insurance covers the homeowner in the event that someone gets injured while on their property. It covers medical bills and other expenses for guests if something happens to them while at your home.
Your home insurance property coverage portion of your policy would not provide coverage for property of another. However, If you are found liable for damage to your neighbors property your liability coverage would invoke. Most homeowners Insurance policies come as a package with some level of Liability Insurance unless you purchased stand alone property only coverage.
Personal liability insurance is important standard homeowners and auto insurance policies do not cover claims against individuals that result from catastrophic situations or in legal decisions. Without this kind of insurance, every individual can encounter serious financial harm if they are ever found to be responsible for extreme injury or property loss. Most insurance agents have the ability to write policies for personal liability, so does he are interested in this type of coverage should ask the agent next as they review their policy. Before purchasing separate personal liability, the insured person should first make sure they have as much personal liability coverage through their automobile and homeowners insurance policies.
Not if it is your couch and your dog. If your animal damages a neighbor's property, he may have a claim against your homeowner's liability insurance, or vice versa if it is your property and another person's dog.