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Home policies include this coverage. These are necessary repairs for a large or total loss. I never have known for this to be excluded.

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โˆ™ 2005-10-12 15:02:33
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Q: Is it possible to purchase additional homeowners insurance to cover foundation and related repairs?
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Related Questions

Where and how do you get insurance if your homeowners insurance is cancelled?

Contact a local independent insurance agency for possible insurer's for your risk.

Does homeowners insurance cover condemnation?

It is possible for a homeowners insurance policy to cover a condemnation. However, many factors are involved including location and size of house before a final decision can be rendered.

Where can Cheap contents insurance be purchased?

You can purchase contents insurance several ways. The best and cheapest way is to include it in your homeowners insurance, so as to avoid an additional separate cost. However it is possible to get it for a good price on its own, you just have to shop around and compare prices to get the best deal you can.

Can you get insurance if your not the homeowner?

Yes, It is possible to purchase insurance on behalf of the owner. The Homeowners insurance policy must be in compliance with local law. The legal owner must be the beneficiary and must be listed as the loss payee for the insurance contract to be valid.

Are rental homes protected under homeowners insurance policies?

No. In the united States, Homeowners Insurance polices are Null and Void at the moment your home is rented unless you have had the policy endorsed for rental property coverage. This is often referred to as "Landlords Insurance" and requires a different policy form known a "Dwelling Policy". Most Insurers will simply cancel the old Homeowners policy and issue a new "Dwelling Policy" form to cover you as this is the appropriate policy form. Your landlord's insurance policy, or "Dwelling Policy" will cover your rented home. It is certainly possible to have property and liability insurance on a rented property but not on a traditional homeowners Insurance policy form.

Will homeowner's insurance cover bills for my dog attacking a neighbor's dog?

It's possible but you should contact your insurance agent and ask. Most homeowners insurance policies these days have default language that excludes liability for for animals.

Does your homeowners insurance cover the theft of your neighbors saw that you borrowed?

In general your Homeowners Insurance Policy is specific to property of the named insured. But it really just depends on the type of policy you purchased and the scope of coverage afforded. It would be a good idea to contact your insurance agent. Your agent could advise you on possible coverage for the stolen property.

Can you get insurance on a house under construction?

Yes, Coverage is available under a builders risk policy. If your home is just going through remodel, it may be possible for homeowners insurance to continue during construction, if not you will have to purchase builders risk as mentioned above. Have your homeowners insurance agent confirm with the carrier, the same agent can probably do the builders risk policy for you.

What can one find on the website Insweb?

Insweb is an all-in-one website for insurance designed to provide the consumer with the best possible insurance policy. It is ad-free, corporate-greediness free, and full of useful information designed to provide the consumer with the largest amount of information possible in order for them to receive a satisfactory insurance policy, whether it be life insurance, car insurance, or homeowners insurance.

What is the best home owners insurance?

An HO3 all risk policy offers the broadest coverage possible for a homeowner. Many insurance companies offer the HO3 policy form, they cost a little more but they are the best homeowners insurance policy you can get.

How can you save on home owners insurance?

Some ways to save on homeowners insurance are to try to combine your auto insurance, there are usually discounts for multiple policies. If that is not possible having smoke detectors, fire extinguishers, an alarm system and sometimes deadbolts on door will lower you premium.

Can you get insured on your boyfriends insurance?

Yes, they can add you as an "additional insured" on the policy. It could possible make his insurance rates go up though as it will then be considering your age and driving history.

Is it possible for an alien to have Medicaid insurance?

It is possible for an alien to have Medicaid if the alien is here legally and has met additional requirements such as refugee status and/or minimum length of stay in the U.S.

How can you find out if a property owner has home owners insurance or not?

How about asking him. With todays privacy laws it is probably none of your business whether or not he has homeowners insurance. If there is a case where a possible claim may result and you don't have the nerve to ask him then it's not much of a claim is it.

Protecting Your Belongings with Contents Insurance?

Contents insurance is a type of insurance that protects the contents of a person's home. These policies cover items like furniture, artwork, jewelry, and other valuables. Some policies will also cover items located in the customer's yard, shed, or other structure on their property.Who Should Purchase Contents Insurance?Both homeowners and renters can benefit from protecting their possessions with contents insurance. While most homeowners insurance polices do provide contents coverage, the amount of coverage isn't always enough. The average policy offers contents coverage equivalent to anywhere from 50 to 70 percent of the customer's dwelling coverage.Additionally, most policies limit the amount of money they will give a customer to replace specific items. For example, many policies will only cover up to $1,500 worth of jewelry that is stolen from the home. If a person owns expensive jewelry, artwork, electronics, tools or furniture, they may need to purchase additional contents coverage.Renters should also purchase contents coverage. While landlords are responsible for insuring their property, they are not responsible for a tenant's personal belongings. If a rental property is damaged in a fire or other storm, a renter will not be compensated for their damaged property unless they own contents or renters insurance. Contents insurance also protects against theft that occurs in a rental property.Is Contents Insurance Worth the Additional CostContents insurance is something that many people fail to even consider. Most homeowners just assume that their homeowners policy has them covered. Also, since landlords rarely require tenants to have contents insurance, many renters don't realize that their possessions are unprotected.Every renter should insure their belongings, regardless of whether they own lots of valuable jewelry or other expensive items. Not only is contents insurance essential, but it's also affordable. These policies can usually be purchased for a few hundred dollars a year. Because these policies are so affordable, there is no reason why renters should not protect their possessions.Homeowners should also review their insurance policy and determine whether they need additional coverage. To do this, homeowners are urged to take a detailed inventory of their possessions. If possible, collect important receipts and take pictures of expensive items. This will make it easier to prove their worth if these items are damaged or stolen. Homeowners that need additional contents coverage can extend their policy or include a �scheduled endorsement' to protect a specific item. While this may come at an additional cost, proper coverage is often worth the additional cost in the long run.

Get Homeowner's Insurance For Less?

For almost all homeowners, paying for homeowner's insurance is a necessity which is typically required by a mortgage lender and any association that the homeowner is a member of. While it can be expensive, there are ways to save money on homeowner's insurance. The first way to save money on homeowners insurance would be to compare prices from various insurers and negotiate. To bring in a new customer, many insurers may entice you by offering a reduced premium. You could save money by either accepting the new premium or using it to negotiate with your current insurer. The second way to save money on homeowners insurance would be to combine all of your insurance needs into one policy. When combining your policies, including auto and homeowners insurance, you could receive a multi-policy discount, which would cut your premium by 10% or more. The third way to save money on homeowners insurance would be to re-evaluate your insurance needs. Depending on your situation, it is quite possible that you are over insuring yourself. While this provides excess protection, it could end up being a waste of money and could be avoided by re-assessing how much insurance you really need.

Does one get discounts on auto insurance when they add additional vehicles?

It can be possible to get a discount on auto insurance when you insure more than one vehicle. It is best to compare prices on a variety of insurance sites online to determine what discounts will be received.

My son damage someones car on the street with his bike can i get my car insurance to pay for it?

I assume that you mean his bicycle and not a motorcycle or motor scooter. If you mean bicycle the answer is no, your auto policy will not cover the damage to the other persons vehicle. Your homeowners insurance may have coverage that would take care of this type of damage. I would recommend that find out what it will take to repair the damage and attempt to pay for it yourself without having to make a claim on your homeowners insurance. You want to try to not make small claims on your insurance if at all possible.

If you hit the side of a garage when pulling in will insurance cover it even if happened at a home on private property?

More than likely the homeowners insurance or the auto insurance would cover the damage. The person would have to evaluate whether the deductible and possible increase of rates would be worth filing a claim on either policy.

How do you notify a homeowners insurance carrier of a dangerous dog?

You don't. If you are concerned about a dog in your neighborhood, it is better to try to prevent any possible injuries by calling the local dog warden. If you call the "homeowner insurance carrier", it is obvious that your only concern is in intervening in that homeowner's private insurance contract and that can get you into trouble and will not improve the safety in your neighborhood.

Can you sue your own homeowners liability insurance?

NO, of course not. It is not possible to liable to ones self. Your homeowners Liability coverage will pay the cost of defending you in court if someone brings a suit against you. It would also pay for certain judgements won against you should the court find you liable. In order to file suit against your own homeowners liability insurance you would basically have to sue yourself. I'm sure that any judge would throw the case out just before he orders you to seek psychiatric treatment.

What Types of insurance important for a household?

Renters need rental insurance (the landlord does not insure renters' personal property such as furniture). Homeowners need property insurance. Some homeowners also take out life insurance in an amount sufficient to pay the mortgage in the event of the death(s) of the wage earner(s). Everyone who isn't eligible for Medicaid/CHIP needs health insurance, at least catastrophic coverage. Fortunately, health insurance reform will make this possible in the next few years. Each wage-earning parent needs enough life insurance to ensure that their child[ren] will be taken care of, including college if that's a possibility.

Is insurance required on a house if homeowner dies?

There is no legal requirement in the U.S.A. for homeowners insurance. If there is still a mortgage on the home though, insurance is almost certainly required by the mortgage contract, but this is a contractual obligation, not a legal requirement. Failure to maintain a policy as required by the finance note can result in single interest coverage being placed by the lender and billed to the homeowner or possible foreclosure.

Is it possible for women to get affordable car insurance?

It is possible for women to get affordable car insurance. I think it is cheaper for a woman to get car insurance than it is for a man to get car insurance as a matter of fact. Contacting an insurance company for quotes will help you.

Is it possible to get free car insurance?

It is not possible to obtain free car insurance in the United States. It may be possible to obtain free car insurance in another country, however. This is mostly out of the question, I'm afraid.