Normal appliances are not going to be covered by home owner's insurance. An air Conditioning unit that doesn't work isn't going to be covered.
It depends on your policy, what is broken and how it broke. A lightning strike which burns out the well pump is probably covered. A collapsed well casing due to age is probably not covered.
yes it does i know because someone broke our fire-pit and insurance covered it
You will have to check with with your medical insurance provider to find out. Typically no as this would be covered by separate dental insurance.
Doubt it very much, unless their was a fault with the air conditioner which broke down . Try and see.
The ability to collect on a claim on your homeowners' policy will be determined by an insurance claims adjuster after consulting your policy. The broken window may, or may not be covered if your child broke it.
It really just depends on the type of policy you bought and what is the cause of the damage to the drain pipe. If it broke from freezing or another covered peril it's probably covered. Most homeowners Insurance Policies will not cover foundation damage nor pipes embedded in in or below a slab foundation unless the damage is the result of a covered peril. There are endorsements that some companies offer to provide coverage for foundation or ground movement as well.
You should apologise and then either get them to contact their insurance company to see if they are covered, if they are not you may have to buy them a new one.
It depends who broke them. If it was a salon worker - they are covered by the business insurance. If it was another customer - then they are liable for repair or replacement.
Any kind of injuries you suffer within your own house would not be covered by your Home insurance; that would fall under your medical (or in this case, dental) coverage.
The homeowners insurance should cover the mom's fall.
If you have a minor driving your vehicle without having them listed on your insurance policy, then the insurance company will most likely deny any and all coverage if they should ever have an accident in the vehicle. You are not paying for insurance for them to drive the vehicle, so why should you expect them to pay the claim? You policy states that you agree to notify the company of all drivers and by not doing that you have committed material misrepresentation which means you broke the contract. If you broke the contract they are not liable to keep their part of the contract.
Not unless you Purchase insurance.