yes i have. it's actually a site where i found my insurance agent. they provide you with a local homeowners insurance agent directory sorted by state and zip code.
The liability coverage on your homeowners policy will protect you from anyone that is hurt on your property and tries to sue you. As for the roofing contractors, you would need to make sure they are licensed and bonded themselves so any damage they cause will be covered. If you are looking for a roofer, do not hire anyone who does not carry their own business liability policy. I am an insurance agent and this answer is based on my knowledge of insurance and claims, but you can go to the following website to read frequently asked questions on insurance quotes and claims. This is the website I found additional answers for your question: http://www.insurancequotesfaq.com/homeowners-insurance/homeowners-insurance-2126.html
Possibly. Call an agent.
Anyone can purchase AAA Homeowners insurance either online, over the phone or at a AAA corporate office in your area. You can get quotes using any of these.
You would gave to find out from the actual insurance adjustor. There is no way anyone else can know that.
It just depends on the type of policy you purchased. Homeowners insurance typically covers the home main structure and the owners contents, but without more details of the coverage form you purchased there is no way for anyone else to know. The best source of information regarding your coverage is your insurance company or your insurance agent.
You can sue anyone you want, But you would lose in this circumstance. You would also be required to cover all the legal expenses and attorney fees for the entity you sued after you lose the case. Homeowners Insurance does not cover auto accident claims, that's what auto insurance is for.
The Commerce Insurance Group offers automobile, homeowners, personal umbrella, earthquake and flood and business insurance. These insurances can be purchased by anyone in Massachusetts or New Hampshire.
A homeowners insurance policy should be in the name of the owner(s) of the property as listed on the property deed. Also considered to be insured under the policy are all household residents. Children who are immediate family members and who are temporaily away at boarding school or college are still members of the household.
I don't think anyone will ensure a laptop but it might be covered under a business or homeowners depending on usage and carrier. i would get lojack for it-that would be a better bet.
It is well known that a homeowners insurance calculator can help anyone to figure out how much insurance on their home will cost them. However, many do not realize that these types of calculators are available to anyone who might want one for free. There is absolutely no reason to pay for this kind of thing when they are so readily available on the internet. Many of the insurance companies will provide them on their websites directly. This helps you to be able to get your quote while staying on their site. These companies hope that you will use this information to purchase your insurance with them directly. It might be reasonable to oblige them on this since they did provide a free calculator. That would just depend on the quote that you receive though.
Generally no. The only time that your homeowners policy will cover property of anyone else is if you are legally liable for the damages. For instance if you started a fire on purpose for some reasonable need that got away from you and they neighbor demanded payment. In this case you turn it over to your insurance company which will decide how to proceed. You liability section provides coverage for damages and they will provide legal defense in addition to the liability coverage if necessary. I will caution you that liaiblity claims will make you typhoid Mary to insurance companies and you will not have luck getting or keeping homeowners insurance.
Homeowners insurance covers the house itself should it be damaged. Many of the policies include liability insurance so that if anyone is injured there you have protection. There are some types of mortgage insurance that cover the remaining mortgage should the owner die. But, if the lender does not require it due to a low down payment, one would have to specifically buy that.