Depends on your insurance coverage: ask your insurer.
No, Homeowners Insurance does not provide the coverage of a life insurance policy.
It might and it might not. It depends on what scope of coverage you purchased and if it was a preexisting condition or not.Contact your insurer or your insurance agent for clarification of your coverage.
General Liability insurance is purchased through any insurer that provides commercial insurance lines coverage.
Minimum coverage is the minimum amount of insurance required by law. Full coverage is the full package from the insurer, insuring everything they offer to cover.
No, The other persons Insurer is not responsible for the coverages or lack of coverage you decided to purchase from your own insurer.
There is no restriction on how much you can get in annuity payouts from your insurer. The annuity payouts depend on the plans and coverage and also the insurance company.
It depends on your coverage & the state, but normally if you have full coverage your insurer will cover any accident you are in.
A standard insurance policy provides for deductibles (or excess) clause, i.e., a claim is settled by the insurer only in excess of the limits specified under this clause. The insured can buy supplemental insurance to cover a part or full of this "deductible" amount. This supplemental insurance is called deductible buy down insurance.
This is called "excess" or sometimes, "umbrella" coverage. It can be written by the same insurer that writes the primary limits if it offers such coverage. If it does not, you may have go to another insurer for it. The excess insurer may require a minimum primary coverage limit before it will issue such a policy. Typically, it is less costly than primary insurance because it does not have an obligation to pay until primary limits are exhausted. It can usually be had in both personal and commercial lines of insurance and in varying amounts.