Homeowners policies do not cover damage to motorized vehicles (except lawnmowers, Golf carts, off-road vehicles, electric wheelchairs). SOMETIMES there is coverage for boats & their trailers when stored in an enclosed building on the premises.
Home Insurance and Rental Cars No, Homeowners insurance does not cover physical damage to automobiles. That's what Auto Insurance is for.
Just contact your Home Insurance Company and ask them about it. Many companies are fine with this for small claims or minor repairs.
Most insurance companies will not offer you coverage at all. There are a few companies that will give you a regular homeowners policy if you sign an exclusion for animal liability. This means you will have a normal policy except it will not cover any claims having to do with animals.
No, Homeowners insurance is for the house. it does not cover cars or car accident claims.
Usually not. Most companies do not rate up for a claim. However, at this time it is very hard to get homeowners insurance at a good rate if you are cancelled by another company or if you have claims it is hard to move to another company. Insurance goes in cycles. For the past few years insurance companies have been loosing money on homeowners insurance so they have become much more careful with their underwriting. It is easier to get car insurance than home insurance. Most companies will not even write home insurance unless you also give them your auto insurance.
As far as homeowners, and auto claims payments are concerned no.
All of them do.
Good Luck. Go see an independent insurance agent who represents many different companies in your community and I'm sure they can find you some affordable coverage.
Homeowners policies do cover vandalism and malicous mischief but unless the damage is extensive it may not meet your deductible. Another thing to remember these days is that insurance companies have been loosing money in homeowners insurance for several years. I always remind my clients that homeowners insurance is made for big losses not small ones. A homeowners policy is the most coverage for the lowest premium in the insurance business. With companies loosing money they are going to be more careful about who they write and if you are ever cancelled for too many claims you will find it hard to get new coverage at a reasonable cost.
Pre-existing home damage.Retroactive in what way? the state of Kentucky?Homeowners Insurance Policies do not cover preexisting damage to a home.
First of all, it probably is not your insurance agent but rather the insurance companies claims department. You can contact an insurance arbritrator and get his say on the matter.
Insurance companies such as Nationwide, do not make their insurance claims information public. Nationwide is located in Columbus, Ohio, and has an excellent reputation among st other insurance companies.
It is either a claim for a fire or it is any type of homeowners claims since homeowners policies used to be called fire policies.