Contrary to belief, standard homeowner's insurance does not cover a home based business. One can get one of four types of insurance to help cover thier home based business, endorsement on homeowners insurance, in-home business policy, business owners policy, and commercial package policies.
They wont cover it with a regular HO(Home owners) Policy, you wound need to buy and endorsement.
If it is your home, just look at your insurance policy. It will always tell you the name of your insurance company.
It depends on your insurance policy
You'll need to check your policy language or contact your insurance agent to determine if you have the coverage. Most policies these days have a built in mold exclusion unless you pick it up as an additional endorsement.
Yes, In fact you are required to get your own home insurance when you buy a home. You can not inherit the previous owners insurance policy. The previous owners insurance is null and void the moment they sell the home.
No, Your Home Owners Insurance policy will not invoke. Your neighbors Home Insurance policy will also not cover if the animal exclusion exists on the policy. there will be no coverage forthcoming from your neighbors Home Owners Insurance policy. It has become common practice to exclude damage and injury resulting from ownership of vicious animals from Home Owners Insurance Policies around the country. Your Own Medical Insurance Policy however will invoke and afford coverage for your medical expenses. Other expenses such as loss of income may also be covered by your medical insurance depending on the coverages afforded by that policy.
No, you can't combine home and auto loans
No, That's what you major medical insurance policy is for.
It is based on the covered perils of your individual policy. The number and type of covered perils varies greatly from policy to policy, company to company, and endorsement to endorsement. It is pretty standard that most policies at the very least cover Fire, Theft, Wind, and Hail. Some policies cover much much more, such as Water, Collapse, Riot. If you have a policy, look at the covered perils section. If you don't have a copy of your policy call your agent and request one.
That would depend on the wording of your policy.
It depends on what caused the damage to the bricks. Did a car run into your brick home, Then the drivers Auto Insurance policy should cover it. Did a storm blow out your bricks, Then your home owners policy would cover it if you have wind storm coverage. If your home is just old and the bricks are crumbling due to age or lack of maintenance, then they may not be covered on your home owners insurance policy. Home owners Insurance, just like auto insurance does not provide coverage for normal wear and tear or for normal maintenence issues.