Yes, it can. Depending on your coverage and policy with your insurance it can cover medical for others.
improperly or overloading the boat
Not usually. The neighbor's homeowners insurance would cover it underneath their liability insurance.
improperly or overloading the boat
improperly or overloading the boat
not having the proper lights at night
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.
Yes, but usually not much, maybe $200.
no - damage by insects is excluded
Usually yes - because they're less likely to have accidents.