First of all, it probably is not your insurance agent but rather the insurance companies claims department. You can contact an insurance arbritrator and get his say on the matter.
no it has nothing to do with your grill cause its homeowners insurance.
There is no compensation on homeowners insurance for a broken wrist. Much more information is required to determine if home insurance will even be involved at all as I doubt that it will be.
No it doesn't
Typically, no. However, your car insurance may.
That depends on your insurance provider. Easiest way is to ask them.
Your Health insurance.
Yes it normally does.
no - wear, tear is not covered and also defective equipment is not covered. a homeowners policy is not a home warranty
Probably not unless you had the dentures listed as scheduled property on your policy. If you have dental insurance you may have coverage there for lost or broken dentures.
Homeowners insurance does not cover the normal and expected maintenance costs associated with home ownership.
No. Your homeowners policy does not cover appliance maintenance issues or degradation due to normal wear and tear
Most will if it is in the slab. Where it can get tricky is when the pipe in in the yard.