No
If your renters policy covers Sewer Backup then it will cover damage to personal property.
No. Insurance does not cover mechanical problems.
er damage caused by windows
It should but you need to specify which insurance you have.
Basically, you have to pay for insurance. If you get into an accident, you are at least partly responsible for the damage that accident caused, whether or not you were at fault. Insurance helps to pay for that damage.
Yes.
cover
If you have insurance that include tornado damage, the insurance company will pay. If you haven't, the property owner has to pay himself. Cost of life.
Your collision coverage should pay for the damage caused by hitting the tree.Comprehensive insurance covers water damage, hail and flood. However, in your scenario, the damage was only indirectly caused by the water. Damage to your car caused by hitting another car or a fixed object is paid for by your collision coverage.
Third party insurance basically protecting yourself from the actions of another persons. It covers the damage you caused to a third party only - injury, death, and/or property damage caused to a third party in the event of an accident caused by the use of the vehicle.
NO, liability covers damage you do to someone else's property. Comprehensive insurance covers damage to your vehicle by someone else. If you have no comprehensive, then you will need to look to their insurance for recovery of damages.
depends on the damage you caused and the intent...all policys (far as i know) have an exclusion for 'an intentional act' that is different than you causing the damage, you cause the damage when you rearend someone but that is covered...see? what is the damage and how did you cause it?