There are many factors into what causes rates to go up, or down. Check with your agent about a month before your policy renews for the answer.
Usually as long as A). The item stolen is owned by the policyholder, B). The item was not stolen on another property owned by the policyholder that does not have insurance.
The Apple warranty covers faults that may have occurred during manufacturing of their products. Theft of an item would normally be covered by your household insurance.
The "Lemon law" is generally requiring the seller of a thing to replace the thing if it fails to work properly- such as a new car. It does not cover theft of the item. Whether your insurance covers it depends on what insurance you had- it may cover breakage or damage, but not theft. Read the terms of your insurance policy.
You must file a theft report if you intend to make a claim against your insurance. Also if it was an expensive item, you should file the theft report because arrests are being made all the time. If a person is arrested for a crime and the police see that expensive item, you will probably get it back rather than having it sold at a police auction and the money going to the state.
No. A broken faucet sounds like a maintenance or a manufacturer issue and not an insurance problem. Insurance covers events that happen due to a covered cause such as : fire, theft, lightning, windstorm, weight of ice or snow, and many others. The covered item happen in a sudden and accidental manner for them to be covered as well. At no time does a homeowners policy cover maintenance problems. This is not what a homeowners policy was designed to do.
No. This sounds like a maintenance item and not a covered cause.
Watercraft insurance can be bought at any insurance company. Most insurance companies carry boat or jetski insurance. You might have to pay a little more since it is a pleasure item and not a necessity item.
It is called theft.
connect them to the item stolen.
I loned my car once to a friend and while he was driving it, he wrecked into a pole. Since I had LOANED the car to him, the police said that they couldn't do anything about it. But it doesn't hurt to try to get the insurance to pay for the item. I hope ths adds some light on the subjct.
17% increase.
An increase in the market price of the item the option is for.