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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.

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โˆ™ 2015-07-15 21:31:53
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Q: Does homeowners insurance cover all residents of the home?
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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.


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Homeowners Insurance is what you need to cover a home.


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Health insurance is the only thing that would cover falls of a homeowner in the home. Homeowners insurance is certainly not intended to cover this type of accident.


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Your homeowners insurance covers your home structure.


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NO, Homeowners insurance does not cover automobiles.


Does a homeowners insurance cover death of your child in the home?

No. Homeowners insurance only covers physical damage to the home and contents and liability risks.


Can homeowners' insurance cover a home owned by two ladies?

Yes. If it is a home and it is owned by someone, then it is covered by homeowners' insurance, regardless of who that someone is.


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.


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No, Homeowners insurance does not cover the cost of lost keys.


Does homeowners insurance cover Clean up after furnace malfuntion?

I have a mobile home and the furnace caught on fire and is now damaged does my homeowners insurance cover this as a replacement


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 home insurance cover if a tree l damage a vistor car?

No homeowners insurance does not cover vehicles, that's what auto insurance is for.


Does homeowners insurance cover bodily injury to someone living in the home?

No


Does homeowners insurance cover losses a friend incurred from being robbed inside the home?

No. Your friend is most likely not a named insured on your homeowners insurance policy. Your homeowners insurance policy is specific to you and your property. It would also not cover the losses of a tenant.


Does homeowners insurance cover damaged wall caused by an angry family member?

Not if the person lives in the home. An insured cannot be liable against themselves.


Will the home owners insurance cover if my vehicle hit my garage wall?

No,, That would be covered under your auto insurance policy. Homeowners insurance does not cover damages to street vehicles.


Does home owners insurance cover car running over animal?

No, Your Homeowners Insurance covers your Home. Your car Insurance covers you vehicle.


What does insurance companies cover for a furnace that is broken?

Homeowners insurance does not cover the normal and expected maintenance costs associated with home ownership.


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.


Can homeowners insurance cover transite duct abandonment?

No. This is a maintenance expense and insurance is not designed to cover this type of expenses. Homeowners insurance offers more coverages for the money than any other insurance policy but it is not made to cover maintenance or normal wear and tear on the home.


Does home owners insurance cover an individual if they are helping someone and get hurt in the process?

No, homeowners insurance is not a replacement for health insurance.


Branch fell on windshield auto or home insurance?

File the claim on your auto insurance. Homeowners insurance does not cover automobiles.


Does Home owners insurance cover automobile accidents?

No..but some homeowners will cover boats...check with your agent.


Can homeowners insurance cover a new heater if faulty?

No, but if you have a home warranty policy that policy may cover it.


Will homeowners cover an unregistered vehicle that hit mine on your own property?

No, Homeowners insurance does not provide comprehensive, collision nor liability insurance for your vehicles. Now if somebody's vehicle hits your house, your home insurance would cover the damages to your home.