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It really just depends on the scope of coverage you chose when you purchased your home insurance policy. A home Insurance Policy is "Hazard insurance" that provides a home owner financial protection from sudden accidental loss due to the those hazards listed on your schedule of covered perils.
In simplest terms, Your Homeowners Insurance (Home and Property Hazard coverage) will provide coverage to fix, repair or replace your home structure if it is damaged by a covered "Peril" as listed in your policy terms. Typical perils are Fire, windstorm, hail etc. You will need to refer to your home insurance policy for the specific perils covered.
If you purchased extended coverage for contents and other structures, your policy may also provide funds to fix, repair or replace certain home contents, appliances and other structures on your property when they are damaged or lost due to a covered peril.
If your asking what your home insurance policy will "fix" simply because it's broken and not damaged due to a covered peril then that sort of thing is not covered under your home insurance policy and may be a part of the owners maintenance responsibilities or you may look to a warranty on the item that needs fixing outside the scope of a covered peril.
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∙ 12y ago
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If a homeowner is injured and may require surgery will homeowner policy cover this?
Nope, a homeowners policy does not cover the home owner.
Can you transfer homeowner insurance policy to new owner?
No. You will have to cancel you policy and the new owner will have to apply for a new policy. The homeowner's policy is partly based on the home and partly on the person so the new owner will be underwritten as well as the property.
What is an hob home owners policy?
An HO-B policy typically refers to a homeowner's policy in Texas.
Does homeowners insurance cover a sewer backup?
It should. You should request a policy review with your agent. It has to be stated in the policy what is and is not covered. <><><> DO review your policy with your agent. Sewer Backup is typically EXCLUDED from most homeowner's insurance. It CAN be added to a homeowner's policy. Have you read your policy?
Where can you get a copy of your Homeowner's Policy?
The answer to the question has not been posted.
Is nanny covered in homeowner policy?
No. your nanny is not a named insured on your home insurance policy.
How are homeowner claims paid to person who had deed but not policy?
Homeowner insurance claims are paid to the policy holder, in a condo and the damages are being reimbursed by the association the deed and title holder gets the refund
Is water damage covered by a homeowner's policy?
home owners always need to pay their water policy.
does homeowner ins cover the cleaning lady falls?
Most homeowner insurance will cover for public liability but you need to read your policy.
Will your homeowner's insurance pay if you are sued?
If it relates to a personal injury claim where the individual was injured on the policy holder's property then usually homeowner's insurance will provide compensation up to the specific amount stated in the policy.
Does homeowner policy protect against theft?
Not all homeowner policies cover against theft. The most basic homeowner policy will only cover against fire, wind and hail. If your Home Insurance Policy includes burglary then you should have no problem with coverage up to the specified limits. If the theft was by a household member then it is most likely not covered.
What is needed to add home insurance to replace a forced insurance policy?
Cancel the forced insurance policy and add terms and conditions to your homeowner policy.
