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Answered 2009-05-13 01:56:53

no - damage by insects is excluded


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Usually not. Check your policy for Perils Insured Against, and Exceptions. Call your insurance company. If they say it is not covered, ask where it says that in the policy.

Not usually. The neighbor's homeowners insurance would cover it underneath their liability insurance.

Personal possessions are usually covered on your homeowners or renters insurance policies.

One can compare prices for Hartford Homeowners Insurance by visiting other insurance websites to compare the prices. One can usually get a quote to see the price of the insurance of different companies to compare.

Not normally, but you may be able to specify them for limited coverage.

Probably not. Usually a septic system backup is caused by a maintenance issue and not by a covered cause that would be covered on your homeowners insurance.

Homeowners must pay for all repairs themselves. Homeowners need to buy homeowners insurance. They usually have higher utility bills. Homeowners pay property taxes. However, the advantages to owning your own home are usually worth it.

No, water wells are not typically covered under homeowners insurance policy. The company that installs the well usually has a warranty that may cover damages, or malfunctions.

Most people just buy another insurance policy somewhere else. That is usually what happens.

Yes, it can. Depending on your coverage and policy with your insurance it can cover medical for others.

Fire damage insurance is usually a part of your homeowners or renters insurance. Depending on your desired level of coverage, it may be necessary to pay an additional premium.

Not usually. Usually water damage has to be from a sudden burst of plumbing or flood or some sort. Any negligence in homeowning is a touchy subject for insurance.

Safeauto is an insurance company that only writes personal auto insurance. Usually what they write is what is called non-standard auto insurance. They don't offer homeowners insurance as far as I know.

Physical Injuries are best covered under your medical or health insurance plan. The coverage is usually much broader.

Mold is usually excluded from coverage. Read your policy; if same is not excluded, it is included.

If it was done accidentally, then it may. Usually intentional acts are not covered.

Yes it may. Your personal property coverage is usually available worldwide.

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.

Probably not. Homeowners usually do not pay for damage caused by pets, wear and tear nor common maintenance issues.

Homeowners Insurance and TermitesMost homeowners insurance policies do not cover termite infestations, However there may be coverage for resulting damage to the structure once the infestation has been addressed, depending on the type and scope of coverage you purchased. You would need to have the termite situation resolved by a professional pest control company before your insurance company would respond to any structural damages resulting from the infestation. Pest control is considered part of a homeowners expected and usual maintenance routine.Pest control service companies offer "service warranties" to their clients that have regular corrective or preventative treatments performed to the structure. There is usually an upfront charge for the initial service to correct or prevent infestation and then there is an annual fee to keep the service warranty in place. There are different types of service warranties offered by different pest control companies. One type offers re-treatment only, another offers treatment and repair of damages should infestation occur or re-occur. These service warranties are subject to several terms and conditions.

That depends on how big of problems you want to be protected against. Ask your insurance agent--they will usually recommend a typical amount based on your area and home.

No, comprehensive insurance only covers damage to your car. Homeowners or renters insurance usually pays for personal effects lost as a result of a vehicle accident.

The only answer one can give on this is 'it depends'. Usually it is more expensive than homeowners insurace, but less than workers compensation or liability insurance on a roofing contractor.

Usually you can get the cheapest rate on homeowners insurance from the company that you have your other policies with. Insurance companies offer huge "multi-line" discounts when you have two or more policies with them.

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