If your house is sinking will homeowners' insurance cover it?
Homeowners Insurance Coverage for Sinking Foundations?
Each major homeowners insurance policy will have its own earth movement language. There is very rarely a situation when earth movement is provided coverage without endorsement. One of the big three insurance carriers literally states plainly..."damage resulting from earth movement of any type is not covered" while other policies allow limited coverage for very specific situations employ the following policy language.... "there is no coverage for loss due to "settling, cracking, bulging, shrinkage or expansion of foundations, walls, floors, ceilings, walks, drives, curbs, fences, retaining walls". For this type of exclusion a loss associated with a broken waterline under your foundation which causes sinking/settling type damage may be covered under some policies, but not all.
There is one exception where homeowners insurance would provide coverage to this general exclusion. This would be in an earthquake zone where the insured has purchased a specific rider which would provide coverage for only earthquake related damage.
Two alternative scenarios for getting reimbursed for earth movement damage to your home are: In a situation where there was a failure to disclose property conditions in a real estate transaction or in a situation where the earth movement damage was the result of negligence of another party which could be proved in a court of law. Contacting the offenders liability insurance or consultation of an attorney would be prudent in these situations.
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.
No. The exception would be, if for instance the snowmobile was stolen off the person's property.
No, When you rent your home out to someone your Homeowners Insurance Policy is automatically null and void whether or not you have notified your insurer. If you have become a landlord you need to purchase landlords insurance for your property. This is done by obtaining a Dwelling Policy with a rental dwelling endorsement. Just contact your insurance agent and he can help you place the right coverage for your tenant occupied property.
Yes it does. It is best to file a police report and that will help legitimize the claim. People have been known to file false claims, so having that police report and any other proof that you actually owned the bike (or pictures and such) will help the claim adjustor move the claim quickly along.
No, You would need cycle insurance for your moped. Homeowners insurance does not provide coverage for vehicles that are designed to operate on public roads.
Yes, subject to your deductible. Many policies have dollar limits for computers and also limitations may apply if the computer is used in any way for any business purposes.
If your golf clubs totaling 2300 are stolen from your vehicle parked in front of your house is it covered by homeowners insurance?
Should be. Theft is a covered peril for personal property and personal property located in the vehicle does not change anything. Your automobile policy wont cover the golf clubs. //
This has actually happened to people who are insured with our agency, and yes, it is covered under your homeowners insurance. Bear in mind that you will have to pay your deductible on the home insurance, and that damages to the car would be covered under the car insurance if you have collision coverage on the car, and a deductible will most likely apply here as well. If you do not have collision coverage on… Read More
No. Homeowners specifically excludes self-propelled vehicles with a couple of exceptions such as lawnmowers. The only way a vehicle would be covered in this case is if you have comprehensive coverage on an automobile policy. As a matter of full disclosure, I own and operate a small Independent Insurance Agency for the past 22 years and worked as an agent for direct writers for 3 years prior to that.
Above ground pools should be considered "Other Structures" under Coverage B of the homeowners policy. They don't have to be attached permanently--look up the definition of "structures" in the dictionary. But some insurers insist they're personal property, so check with your company. The following provision is the real problem: "loss to a...swimming pool...is not included..unless the loss is a direct result of the collapse of a building...." If your policy contains that wording (usually found… Read More
No, vehicles are only covered under auto insurance policies. Homeowners insurance policies provide no coverage for automobiles.
If your motorcycle without theft coverage was stolen out of a neighbor's garage will their homeowners insurance cover it?
No, Your neighbor has a home insurance policy to cover his owned property. Homeowners insurance is specific to the named insured and the insured's scheduled property. Homeowners Insurance does not cover automobiles or motorcycles at all and does not cover property belonging to third parties except in very narrow circumstances.Personal Property coverage excludes motorized vehicles except lawnmowers, golf carts, off-road ATVs, vehicles for the handicapped. If it is a vehicle intended to be licensed for… Read More
Yes, 100% coverage if you covered it with a rider. If not, than a small % as allowed by your policy subject to your deductible.
NO Please better state your question. Fair? Fair Plan? Who kills your dog? Who pays for it?
You need to check your policy as all companies have different terms. Also important, check your deductible. In most cases it's $1,000 - if yours is that much is making a claim in your best interest? Sometimes companies will increase rates if there are excessive or frivolous claims. Is it really worth it if after your deductible your return is only a couple hundred bucks? In general you should think of your insurance policy as… Read More
It may, it really just depends on what kind of insurance policy you bought and whether your policy is a Farm and Ranch type policy or if you have the barn scheduled as a covered structure or not.You should contact your insurer or your insurance agent for clarification of your policy coverage.
Typically, yes, as this is an act of vandalism. Take your deductible into consideration though! It may be best to just paint over it yourself....
If the upstairs patio is leaking through to the family room below - will homeowners insurance cover it?
If it was a sudden leak, they would cover it. But the would not pay to fix the leak in the patio
Yes, this would fall under a liability claim under your homeowners insurance. They are limited on how much they will pay out, depending on much liability you bought in the first place. Mark Owner of Denvers Insurance
it should - unless its intentional
If you move out of your house 30 days before closing the sale on it are you still covered by homeowners insurance?
The policy is 'in force' for the policy period as long as you still own the house.
Yes. As long as the damage was done by a "covered cause" coverage will be afforded and the damage will be fixed. Windstorm is a basic covered cause.
You should run the claim through your insurance first. The neighbor or their insurance company can come after you for damages.
It depends on the scope of coverage you purchased. Talk to your insurance agent if you have questions about your coverage. Your agent would the person in the best position to advise you of coverage.
No. Unlike auto insurance, homeowners insurance is optional and is not mandatory if your house is paid for. Just keep in mind though, if your home is lost due to fire, tornado, etc., you will not collect any kind of recovery for the loss. Also, without a homeowners insurance policy with liability coverage, you won't be covered for liability damages should someone fall or be injured in some way while at your home.
No, it is just for the house and contents.
Its too ambiguous to tell as it depends on the covered perils in your policy. Some policies cover falling objects or falling trees. As long as the policy does not have an exclusion for you actually chopping down the tree or something like that then it would probably be covered. If it hit your neighbors house then your liability insurance should most definitely cover it in that case.
Insurance, by its nature, covers fortuitous events; it does not generally cover intentional acts. Therefore, the element of "accidentally" is inherent in the coverage. That said, if you maintained comprehensive coverage (as distinct from collision or liability coverage), there would be coverage.
Will homeowners insurance cover slab that has settled and cracked to the extent it has pulled away from the house?
It depends on the specific perils and exclusions of your policy. But generally speaking most insurance policies exclude any damaged caused by settling or earth movement.
Check your policy and call your agent or insurance company. Find out if you have coverage for an AC, the type of damage caused by leaks and if there is a deductible. If the air conditioner is still pretty new, check your warranty and talk with the store you bought it from.
If the house that you bought 3 months ago has a cracked shower stall is it covered on the homeowners insurance?
Generally speaking...no. It all depends on the cause of loss.
Most policies provide coverage for sinkholes. If you live in Florida and did not opt out of sinkhole coverage you are covered. Check your policy or call your agent for more information. You can call your insurance company as well. In Florida there is a Statute which requres the carrier to conduct sinkhole testing.
Most homeowners policies have an exclusion (meaning they wont pay) for any illegal activity, if the marijuana was legal, the resulting fire could be covered if not excluded by a business at home clause or some other reason.
I doubt it, unless you have an inland marine policy (and you ask about H.O.), it is not a coverd peril. I'm so sorry.
No. Homeowners Insurance does not cover Hail damage to an Automobile. Hail damage to an automobile is covered by the vehicles Auto insurance policy. Vehicles are not scheduled property on a homeowners policy.
No, Homeowners insurance does not cover insect infestation nor preexisting damage to a home. Home insurance is for sudden accidental losses, not for home maintenance. This is a home maintenance issue and what an exterminator service is for. Part of any home maintenance plan should include an annual inspection by your chosen exterminator service company. Failure to maintain your home can be a reason for an insurance company to cancel or non-renew your home insurance… Read More
Unless it was an intentional act, falling objects would be covered.
Usually, not in and of itself. A mortgage will require that the borrower maintain physical damage protection on the structure. It does so to protect its interest in the house, because the loan is secured by the house. Therefore, if a casualty destroys the house, in whole or in part, the lender wants to make sure that it is repaired so as to preserve its value. If homeowners insurance is dropped, or it lapses for… Read More
Most insurance companies would not knowingly insure, (or would adjust the premium) for wood heat. AND if allowing the woodstove, they would insist that the installation be inspected to confirm that ALL applicable codes, and the manufacturer's installation rules and instructions were adhered to.
If a homeowner does some plumbing DIY and the plumbing fails and causes damage will the insurance company still cover it?
In most countries, insurance companies will only pay out if a registered plumbing contractor has done the job and caused damage. This way its easier for insurance companies to stop insurance fraud because the damage caused by the plumber will be backed up by invoices and service agreements. To save yourself the headache, and the possibilities of causing damage to your house, if you can afford the cost call a registered plumber to do the… Read More
If you have a kitchen fire and you stove burns up if you file it with homeowners will it raise your insurance?
No it is unlawful to raise a premium due to claim.
What does it mean if your homeowners insurance carrier is not licensed by the Alabama Department of Insurance?
It just means they are not an "admitted" carrier. This required the insurance to be obtained through an insurance Broker. Your agent will usually obtain this coverage on your behalf. They sell a variety of types of coverages and policies so it is best to find an independent insurance agent to inform you of the any difference in the policy itself. You will also be required to pay a policy tax to the state which… Read More
No. Your homeowners Insurance Policy does not cover Auto Collision. You will need to file on your Auto Insurance under your Vehicle Comprehensive and Collision Coverage.
Is your homeowners insurance automatically cancelled at closing when you sell your house or do you have to contact your insurance company to cancel it?
By Law,, Your Coverage, ceases automatically when you sell your home. The Insurance company however will not know your home has been sold right away unless you notify them right away. Should they find at a later date that the sale ocurred they will cancel the policy or non-renew it.
Home policies include this coverage. These are necessary repairs for a large or total loss. I never have known for this to be excluded.
No, Homeowners insurance does not provide coverage for maintenance or lack thereof. If the home has been condemned then it is no longer insurable.
Yes, That would be a covered loss under most home insurance policies.
It depends on why it went out. Your Homeowners policy covers damage resulting from certain perils such as fire wind hail, lightning etc If it's just old ac unit and in need of replacement or repair then NO. Your homeowners insurance does not provide coverage for homeowners normal maintenance and updates.
No Homeowners insurance does not provide coverage for automobiles. You would have to look to your auto Insurance to file a comprehensive claim. No one is liable for an act of nature.