If 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.Answer
If 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."
Sure, as long as the damage was from a covered cause. The key to homeowners insurance is that the damage is due to a covered cause. If you a re searching to see if your insurance will pay for replacing the pipe because of lack of maintenance, no it will not. Maintenance is not covered on a homeowners policy.
Damage must be due to a covered cause for the damage to be claimed on your homeowners insurance. I cannot think of any way damage to a sewer could be from a covered cause.
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.
Your homeowners insurance should cover damage to your sprinkler system if the cause of the damage is covered by your homeowners insurance policy such as fire, lightning, freezing of pipes, etc. Homeowners insurance is not a maintenance policy and will not cover mechanical failure of your system.
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It depends on the cause of the damage. It has to be due to a covered cause on your homeowners policy. If it is due to maintenance then it is not covered.
Damage to anything covered by the landlord's insurance, because the landlord owns the property not the renter. Such damage would be covered under homeowner's insurance, because the homeowner owns the property.
damage by birds, animals, vermin, insects are generally not covered but check with your agent or insurer to be sure
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, but if the failure causes a fire or water damage, then the water and fire damage will 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.
No, this would no be covered. The cause of the damage must be a covered cause such as fire, windstorm, theft, etc.
Carpet DamageYes, if it was damaged due to a covered peril under your policy it will be covered.
yes it does i know because someone broke our fire-pit and insurance covered it
It depends on the covered perils listed in your policy. If your policy covers lightning damage and your computer was damaged from a lightning strike, it would be covered. Just keep in mind the amount of damage needs to exceed your deductible in order for the insurance company to issue a payment.
If the damage to your front door was the result of a covered peril then yes, it would be covered under your homeowners insurance policy. If the door is just worn out then it is a maintenance issue.
Purchase Extended Coverage that includes Wind and Hail losses with your Homeowners Insurance Policy. This way future losses will be covered.
Yes, Homeowners insurance can cover plumbing damage when caused by a covered peril such as lightning, fire, wind, hail freezing etc. Refer to your insurance policy for covered perils. If your plumbing is just old or stopped up then that would be an owners maintenance issue. Homeowners insurance does not provide for maintenance.
Your Homeowners insurance policy will pay for damages that result from the covered perils specified on your insurance policy subject to the policy limits and any deductibles listed therein.
Whether or not an incident is covered under a homeowners policy is mostly dependent on the cause of the loss. I cannot think of any cause of loss that would be covered for damage to French drains. The only damage I can consider for French drains would be due to maintenance and maintenance is not covered on insurance.
No. This is not what homeowners insurance is for. Homeowners insurance is to pay for physical damage to your home and contents.
yes resulting water damage is covered - depending on cause of crack to chimney that aspect may or may not be covered
Homeowners Property Insurance is "Hazard Insurance" that protects the property owner from loss or damage due to the stated covered hazardous perils.
Insect infestations are generally not covered by homeowners insurance as it is considered a homeowners normal and expected pest control and maintenance routine.