No, But if you live near the coast it might be a good idea
Tornadoes are already covered under the windstorm peril of your home insurance policy.
No, this would no be covered. The cause of the damage must be a covered cause such as fire, windstorm, theft, etc.
A tornado is a windstorm. All homeowners Insurance companies offer coverage for windstorm damage.
Gordon August Albert Bubolz has written: 'Farmers'-mutual windstorm-insurance companies' -- subject(s): Agricultural Insurance, Windstorm Insurance
The replacement of your boiler sound as if it is a maintenance issue and not something that could be covered by your homeowner's insurance policy. The damage would have to be caused by a covered cause such as a tornado, fire, vandalism, windstorm, etc. and I can't think of a way that it was damaged by one of the covered causes. Sorry.
This is likely a maintenance issue and not a covered cause related loss. I can't see how a drain field could be caused by a fire, lightning, windstorm, or any covered cause.
If you have a mortgage, it may be required.
Homeowners Windstorm InsuranceMost homeowners Insurance Policies come standard with Windstorm Coverage unless you are in certain high risk areas. If your policy does not already have windstorm coverage and you need or prefer to have it you should contact your Insurance agent to ask about adding it to your policy.If the company you are currently with does not offer t he coverage for your area you may need to purchase through another provider.
No, I'm afraid not. You see, an insurance policy covers items damaged by a covered loss. The covered losses are things like fire, windstorm, lightning, theft, water damage, weight of ice and snow, etc. Nowhere in your policy will find that an items is covered because you forgot to pick it up when in a cab. This is your fault and not a covered cause, so no the insurance policy will not cover it.
No. A broken faucet sounds like a maintenance or a manufacturer issue and not an insurance problem. Insurance covers events that happen due to a covered cause such as : fire, theft, lightning, windstorm, weight of ice or snow, and many others. The covered item happen in a sudden and accidental manner for them to be covered as well. At no time does a homeowners policy cover maintenance problems. This is not what a homeowners policy was designed to do.
yes, but it may depend on your insurance company's polacy as well as Texas state laws.