hazard insurance is another way to say homeowners insurance - they should be referring to the same thing
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.
No, unfortunately it does not. Your homeowners insurance covers damage to your home. Your auto insurance covers damage to your car.
It depends on the terms of your insurance, but most are, or should be.
if you paid cash for the house do you need homeowners insurance
The best way to learn about homeowners insurance is through your car insurance broker. You can also consult the www.hud.gov website to know the ground rules that such agencies should be following.
No, Homeowners Insurance does not provide personal injury coverage away from the home. You should file an accidental injury claim with your Health / medical Insurance provider.
where you and others cvan find it if needed.
If you have off premise coverage on your policy and the stolen items were scheduled on your homeowners insurance policy then Yes, you should be covered for those items. Contact your insurance agent for clarification of your insurance coverage.
Typically, homeowners insurance expressly excludes auto-related losses. Therefore, the auto comprehensive coverage should apply.
your insurance policy should state that it will.
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.
Insurance should cover it, but you'll have to pay the deductable before they pick up the rest.
Homeowners insurance should I pay for 100 percent replacement cost
It depends on why your being sued. If your homeowners insurance covers the act that caused the suit, then you should have legal defense costs coverage if you purchased liability insurance with your homeowners insurance policy. If you did not purchase liability coverage then your insurance company will not defend you.
No. Homeowners insurance is "Property Insurance" it does not provide coverage for personal injury to the insured. You should look to your medical insurance for coverage applicable to bodily injury and your life insurance policy for compensation for loss of life.
If you are filing a homeowners insurance claim because your basement was flooded then be sure to be specific when making the claim because most homeowners do not have flood insurance. If your basement flooded as a result of a broken or leaky pipe or from some other cause from inside the home then you should be fine but if your basement was flooded as a result of an outside source then you may not.
Homeowners Insurance for Vacant Homes.Yes Homeowners Insurance is automatically null and void when a home becomes vacant. You should have a "Vacant property rider" added to your Homeowners Policy to ensure continuing coverage during a period of vacancy.
Homeowners Maintenance ResponsibilitiesActually, If you know the tree is a Hazard, You should have it removed. This is a maintenance issue, Not an insurance issue.The best way to "lose" your homeowners insurance policy is to use it as a home and property maintenance plan.
Your homeowners insurance policy may or may not cover a ripped pool liner. It all depends on the policy form you choose when you purchase the homeowners insurance policy, the policy language and any endorsements. You should check with your agent or insurance company to determine whether it is a covered peril or not.
Homeowners coverage should satisfy requirements.
Yes, there should be coverage on your policy.
You just need regular homeowners insurance, nothing special is needed.
Yes they should be listed to protect their interest.
you had no insurance for 13 years? You should qualify for a state plan that will guarantee you coverage - contact a local insurance agent - and expect for the premium to be high