I would think that you would have called your home insurance claims department 1st thing rather than turning to the computer! Call them!
No. This is not a covered cause under a homeowners policy. This is something that was caused by the homeowners neglect which is not covered under the terms of the policy.
No, That would come under A "Watercraft Insurance Policy".
Yes, Garages both attached and detached are typically covered structures under your homeowners insurance policy.
No, movement of earth or soil is not covered under a homeowners policy just as an earthquake is not covered under a normal policy unless you purchased the additional coverage.
Any motor vehicle is not covered under the HO policy.
Dentures are something that is generally covered under your Health Insurance policy.
No. Homeowners Insurance does not cover Domestic WorkersDomestic workers are covered under the Workers compensation insurance paid by the employer
Read your policy.
Of course not. Scabies is a skin condition caused by a type of mite. There is not way that this would be covered under a homeowners insurance policy
Yes a furnace is covered property under a homeowners insurance policy. However, the key to whether the policy will pay for damage is the cause of the damage. This is always the key to coverage.
No, Cash, bullion, stocks and bonds and other negotiable paper are excluded from a homeowners insurance policy.
Your lawnmower is typically covered under your personal property portion of your homeowners policy, less your deductible on your policy.
No, Buildings under construction are covered under a builders policy. After the building or other structure is completed you can then schedule it on your homeowners insurance policy for coverage.
No, water wells are not typically covered under homeowners insurance policy. The company that installs the well usually has a warranty that may cover damages, or malfunctions.
Depends on the cause. Typically settling and sink hole is not covered under a homeowners policy.
Carpet DamageYes, if it was damaged due to a covered peril under your policy it will be covered.
No. A homeowners loss while under construction is covered by the Builders Risk Policy.
No, you need to go after the manufacturer of the product.
The dwelling Owners policy does not cover the property or liability of a tenant. Rental dwellings are covered under a Dwelling Policy that covers rental properties not a homeowners policy. If the tenant seeks coverage, the tenant must buy his own Renters Insurance Policy.
No. Vehicles are covered under an Auto Insurance Policy, Not a Home Insurance Policy.
Laptops covered under homeowners Insurance PolicyIf the laptop is scheduled property on your homeowners policy it will naturally be covered. If you do not have scheduled contents coverage then there may be no coverage for it. A quick call to your insurance agent could get you the answer.AnswerIf the laptop is used for business purposes, there may be exclusions or limitations under your policy. Also, it must be damage by a "covered cause of loss" as described in your policy. If it is not used in business and was damaged by a covered cause as described in your policy, then coverage would likely be afforded as personal property, subject to your policy deductible and depreciation if you do not have "personal property replacement cost coverage."
Earth movement is generally not covered under a homeowners insurance policy so that should answer your question. The only case it might be covered is if you purchase an endorsement to add coverage for earthquake. Remember that maintenance and faulty building is not covered under homeowners insurance.
If your air conditioner is not operational due to age, wear or is simply broken down it is not covered under your homeowners Policy. If it was damaged due to a covered peril such as fire or lightning then it should be covered.
No a work trailer would not be covered by your homeowners insurance. Anything used in a business is not covered under your homeowners insurance. A trailer to be attached to a vehicle would be covered for liability extended from whatever it is attached to but physical damage for the trailer itself would have to be purchased on a separate policy or a commercial fleet policy.
An "Endorsement" is industry speak for a change to a policy. An endorsement can be adding or removing coverage from your policy. It just depends on what is being endorsed.