Does homeowners insurance cover all residents of the home?
No, such as 'roomates' and adult non-relatives. Refer to page one of your actual policy; Definitions. An insured means you and residents of your household who are; a. your relatives or b. other persons under age 21 in care of any person named above
Maybe this depends on your policy. The policies I've seen in California covered people with fire damage like this:
If you have a room mate that is actually paying rent, then no... they need their own renters policy.
If you have another adult non-relative (such as a live-in-lover) and they do NOT pay rent, then they are covered.
If you have a classic car that is not covered and it cause a fire and burns your home Will it be covered by the homeowners policy?
No, Homeowners insurance does not cover insect infestation nor preexisting damage to a home. Home insurance is for sudden accidental losses, not for home maintenance. This is a home maintenance issue and what an exterminator service is for. Part of any home maintenance plan should include an annual inspection by your chosen exterminator service company. Failure to maintain your home can be a reason for an insurance company to cancel or non-renew your home insurance…