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Will homeowners liability cover wood damage from termites powder post beetles or other bugs?
Wiki User
∙ 12y ago
If your a Pest exterminator by trade then you may look to a Commercial General Liability policy that will offer you liability coverage for the work or service you perform on premises and completed operations coverage for after the job is done.
Pest ExclusionsUnder Section I - Exclusions of your policy, it will explain that there is no coverage for damage due to rats, mice, termites, moths, or other insects (language varies by state), but there IS coverage for ensuing loss due to collapse of the building or any part of the building. Exterminators LiabilityThe only liability for damage due to termites would be found in a warranty policy from a pest-treatment company who has a contract to treat your home at regular intervals and guarantees their work.Wiki User
∙ 12y ago
Wiki User
∙ 14y agoNo Homeowners ins. does not protect you from termite damage. You would have to have a contract with a termite company that is insured and the warranty would have to be a re treatment and repair policy. Treatment is required for this warranty however and normally cost between 600-1500 dollars.
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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.
Are termites the only insects that can damage wood?
No, not by any means. They're probably the most widely known, but many other insects, including some species of ants and beetles, eat and damage wood.
What are the pests that damage trees?
Various animals and insects have the ability to damage trees. This ranges from termites, ants, various types of beetles all the way up to elephants (which often push over or use trees as scratching posts).
Does homeowners insurance cover a window cracked by a rock thrown by your neighbor's lawnmower?
There is a coverage on most homeowners policies that is called "Pysical Damage to Property of Others". So, since you neighbor caused physical damage to your property, this would be the logical place to start. If this is not available, then the Liability coverage [portion of his policy would cover the damage.
Should homeowners insurance cover damage to a neighbor's property?
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.
Who is responsible for damage if a neighbors gazebo lands on your home?
the owner of the gazebo if they were negligent the maintenance of it. Your homeowners insurance would cover the damage. However, some insurance companies provide up to $500 for property damage to coverage others absent of liability.
When watching a friends dog it is injured will insurance cover medical expenses?
Domestic animals are not covered under the homeowners policy. As it pertains to a liability situation, a dog would be considered 'property' and the homeowners "damage to property of others" provision in the liability section of the policy applies but only if you were the one who injured the dog, usually with a limit such as $500.
What kinds of things does my homeowners liability insurance cover?
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.
Does homeowners insurance cover damage to your neighbor's property caused by fire?
Usually your policy will have a section covering your liability as a homeowner. This may cover the neighbour. Check your policy ask your insurer
What does cheap home insurance cover?
Homeowners insurance covers many things for a homeowner and varies from coverage to coverage. It covers personal liability, damage to one's dwelling and the contents inside the dwelling.
Is a work trailor cover by homeowners insurance?
No a work trailer would not be covered by your homeowners insurance. Anything used in a business is not covered under your homeowners insurance. A trailer to be attached to a vehicle would be covered for liability extended from whatever it is attached to but physical damage for the trailer itself would have to be purchased on a separate policy or a commercial fleet policy.
Does State Farm cover raccoon damage in Oklahoma?
The answer depends not on what state the damage occurred in, but what kind of coverage you have. If it is your car, damage from an animal is covered under "comprehensive" coverage. Look at the declarations page of your policy to see if you have this. For homeowners insurance, usually damage from larger animals, like raccoons is covered, but smaller animals, like rodents, termites, etc are not covered.
