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Mine doesn't but we don't have many bears in the UK. Read your insurance policy.
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Will homeowners cover damage to an in ground pool caused by an animal?
Maybe. There is an exclusion for damage caused by domestic animals in most all homeowner's policies. If a wild animal such as a bear or deer causes the damage some policies may cover the damage. Check in your policy, Section I - Perils Insured Against (is a list of exclusions)
Bear River Insurance: Protecting Utah's Residents?
Since 1909, the Bear River Mutual Insurance Company has been providing various forms of affordable insurance policies in Utah. Today, the company offers protection for homeowners, renters, and owners of personal financial assets. Bear River can covers homeowners in their primary and secondary residence. The company's policies even cover additional situations such as earthquakes and personal liability. Renters can protect themselves and their personal property when leasing an apartment, condo, or house. Dwelling insurance protects larger buildings, even commercial complexes. In addition to insuring real estate, Bear Insurance protects motorists with an auto insurance policy that includes liability, physical damage, and more. Additionally, the company's Umbrella Insurance offers financial stability in an unstable economy for investors and property owners.
How do you find the homeowners insurance carrier for someone whose animal injured you?
The easiest way is just to ask them. Bear in mind though that most homeowners insurance policies now exclude coverage for damage and injuries from pets. Fortunately though our mandated ACA compliant health care policy will cover the associated cost and it has no limit and it does not matter how or where the injury occurred. Some homeowners purchase property coverage but do not purchase liability coverage, So there may or may not be coverage for your injury under the homeowners insurance policy. You will have to start a lawsuit and when you do (providing you were bitten by their animal or injured some other way) the lawyer or judge will find out the insurance information during something called disclosure and discovery. In the discovery process your attorney will learn if they have a homeowners insurance policy, if that policy has liability coverage and if the policy provides liability coverage for owned pets. If they do have and the policy has liability coverage and pet injuries are covered under the policy then you may receive a judgement. It would be much easier to just ask them first rather than have to sue first. Also bear in mind that an ACA compliant health insurance policy already covers such injuries.
Is your well covered under homeowners insurance?
Contact your insurance agent. If you have additional structures coverage and your well meets the definition of an additional covered structure on your policy you may have coverage. Bear in mind that additional structures will be covered for the same perils as your main structure. Typical perils are Fire, Wind, Hail damage etc per your schedule of covered perils.
Does homeowners insurance cover leaks?
Just contact your insurance agent and ask if you have coverage for your pool structure. If your pool is a covered structure then you shoud have coverage for accidental damages by the perils specified. Typical perils include fire, wind, hail, falling objects, etc. Some policies may also extend coverage for damage resulting from ground movement. Bear in mind that normal wear and tear, expected maintenance and repair, is not a covered peril under your home insurance policy. So it may depend on what caused the pool leak.
Will your insurance cover a water heater break?
I have home insurances from Mercury. They did not cover for the damage of water heater nor the labor cost to install a new one. You should buy separate insurances that covers such things, like water heater, faucets, tank gas, stove, etc Hope that helps Long Beach student.
Will homeowners insurance cover roof replacement?
It depends on why your roof needs replacement. Bear in mind that your property insurance policy is "Hazard and Accident Insurance", and not a home warranty or home maintenance policy.If your roof was damaged by a covered peril such as wind, hail, lightning, etc, Then your homeowners insurance would cover the cost of repair subject to your deductible of the damaged portion. It would only replace the entire roof if your policy has replacement valuation and the roof was damaged beyond the ability to repair it.If your roof is just old and has reached it's life expectancy then it is not covered under your homeowners insurance policy. That would be a normal expected maintenance expense incidental to home ownership. Composition shingle roofs for example have a rated life expectancy of about 20 to 25 years. After the roof has reached it's life expectancy it is considered to have depreciated to zero value and therefore non-insurable.
Can a person sue a homeowner after suing the home insurance company for the same accident?
Yes, it is possible for a person to sue a homeowner after suing the home insurance company for the same accident. The homeowner's insurance policy may not cover all damages or there may be additional claims the person wishes to pursue against the homeowner that are not covered by the insurance policy. However, it's important to consult with a legal professional to discuss the specifics of the situation.
Will homeowners insurance cover a bicycle that hit a vehicle?
Just contact your insurer. Some policies will offer personal liability coverage for a home owner and it's residents. The only way to find out is to either read the policy or consult your insurance agent about it. Bear in mind that not all policies are the same. Some of the less expensive polices may not offer such coverage.
Does owners liability insurance cover tenants trampoline?
Bear in mind that most companies strictly prohibit coverage for homeowners who have a Trampoline. Generally when the Home Insurance Company discovers that you own a Trampoline they cancel your policy. whether an injury has occurred or not. If you have homeowners liability coverage, and you do not have a trampoline exclusion, then yes, liability would cover non-household members. Be prepared though to have your insurance cancelled.
If you hit your house with your car will it be covered by home owners insurance?
This has actually happened to people who are insured with our agency, and yes, it is covered under your homeowners insurance. Bear in mind that you will have to pay your deductible on the home insurance, and that damages to the car would be covered under the car insurance if you have collision coverage on the car, and a deductible will most likely apply here as well. If you do not have collision coverage on the car, then you will need to pay the full cost out of your own pocket to get the car fixed. We also recommend that you expect to be cancelled later if you do this more than once. ;)
Where can I find information about Bear River Insurance?
There are many ways you can contact Bear River Insurance to find information. I recommend you go to there website right here http://www.bearrivermutual.com/
