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you would need to prove wind damages - consider hiring an engineer. Waves is the same as flood and excluded by homeowners insurance.

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Q: If I have an oceanfront property that is destroyed by wind and waves from a hurricane and have no flood insurance will my homeowners policy cover it?
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Where can you find homeowners insurance for an oceanfront pole construction home?

Good Luck.


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This would be either your homeowners insurance or your renters insurance.


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Will homeowners insurance cover my lawn mower destroyed by fire?

Your lawnmower is typically covered under your personal property portion of your homeowners policy, less your deductible on your policy.


Does homeowners cover tree damaged by hurricane?

Homeowners Insurance Covers the property detailed under your policy. Trees are not an insured property. If a hurricane blows a tree into your house and damages your home then the damage to your home would be covered but if only the tree is damaged then the tree itself is not covered.


Does homeowners insurance cover your mortgage if you are laid off?

No. This is not what homeowners insurance is for. Homeowners insurance is to pay for physical damage to your home and contents.


What homewoners insurance won't cover?

There are quite a few things that homeowners insurance will not cover such as earthquake an flood. I have even heard of a insurance policy in Florida that excludes hurricane or wind coverage. Check with your agent to make sure.


Does homeowners' liability insurance cover personal injury on another property?

No, your Homeowners Insurance will not. Your Medical Insurance Will.


Will the homeowners insurance go up if spouse dies?

No. This will have nothing to do with the price of the homeowners insurance.


Does homeowners insurance continue after the owners death?

Homeowners insurance will continue after an owners death. The Homeowners insurance policy will typically be paid for by the executor of the estate and become his or her responsibility.


Does homeowners insurance cover slashed tires?

NO. Homeowners insurance policies do not provide coverage for automobiles. That's what auto insurance is for.