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When a homeowner dies is the house still covered or do you have to get new coverage?
Wiki User
∙ 13y ago
Any time the owner of an insurance policy dies, a new policy must be issued. The owner/beneficiary must have a vested financial interest in the potential loss. Otherwise you could take out a policy on your neighbor's life or home. In the case of marital property, the surviving spouse usually only needs to have the title of the policy changed if her or she was a co-owner of both the insured property and the insurance policy.
Wiki User
∙ 13y ago
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Is your house covered if broken into if your door is unlocked?
If you have the appropriate coverage (theft) on your policy, then yes it would still be covered.
When a homeowner dies and the home needs repairs are the contractors covered while working in the unoccupied home under the existing policy?
If the insurance premiums were paid up to date before the homeowner's death, and if the repairs are covered under the policy, then yes, the repairs should be covered by the insurance policy. If there is a dispute as to whether or not the repairs are covered, read the dec page (declarations page) of the original insurance policy, which will give you more information as to what is covered, and what is not. There are different types of homeowner's insurance, some offering only minimal coverage, while others offer more comprehensive coverage. You need to find out what type of homeowner's policy the owner had purchased. Also, if the house is in probate, or if it has already been probated (gone to the one who inherited it), this may affect the outcome, as well. If it is still in probate, the insurance company may try to use this as a tactic to hold off on payment of repairs. However, they should not be able to do this, even if they try to.
Does insurance cover house cleaners?
If you are asking whether it covers for injuries to the household employee, the answer is no, no, no. If she damages something accidently the property is still covered.
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.
Are golf carts covered under home owners insurance?
It is always a good idea to check with your individual homeowner's policy to confirm coverage, however most policies will exclude golf carts for coverage unless they are used in the upkeep of the property on their use includes conveyance for a handicapped individual. If the cart is used away from the property you will not be covered for any liability exposure. The same usually holds true for ATV's. Again, check with your agent for confirmation of coverage.
Is it possible to switch insurances mid-pregnancy and still have the pregnancy covered?
Laws may vary by state but generally as long as you do not have a gap in coverage everything should be covered.
Does full coverage allow you to lend your car to someone and still be covered?
No it does not! I asked that of my insurance company and it doesn't. However, you CAN get it covered at an extra cost. (It's all about the money.)
If i have a 750 deductible but i have full coverage auto insurance?
You will be covered for just about anything but still asked for deducible usually if you are at fault
Is mold covered in the homeowner's insurance?
Some policies are still available that will cover certain mold claims. It really just d epends on teh policy type you purchased. An HO5 Policy willl likely cover a mold loss whereas an HO1 will probably not offer mold coverage.
Can i still be covered under my spouse's insurance if i go back to school part-time?
If you are asking about her medical coverage from her employer, absolutely.
Did the airplanes crash the white house?
Given it still stands today, and that no enormous media coverage was made. No.
Do you need to change your homeowners insurance if you rent your house?
If you were living in your home when you first took out the homeowner's policy, then, yes, you do need to change it. To not notify the insurance company that you are now renting your home could render your coverage null and void, resulting in the loss of coverage should something happen to the house. There are several types of coverage, some of which offer more coverage than others. In your case, you need to change the policy since the house is now a rental. But, there are other factors involved, too. Did you rent the home furnished? If so, you need to maintain coverage that will still insure your contents of the house. If not, then you need to change the policy to cover the house only. The renters will need to take out a rental policy, which will cover their belongings in the event of a fire, or other types of damage. You also need to talk to your insurance agent about keeping liability insurance on the house, as well. And, since some renters aren't aware that the landlord's insurance won't cover their belongings, you need to inform the renters that they will have to take out a rental policy to insure their belongings (furniture, clothes, etc.) if they want them insured. Also, keep in mind that a homeowner's policy does not cover flood damage; that will have to be a separate policy.
