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What else can I help you with?
Who provides Home foundation insurance?
Your homeowners insurance does. Keep in mind they don't provide coverage for maintenance. Only the perils that are listed in your policy booklet.
Do you need to notify mortgage co if you have changed your homeowners policy with a different Insurance Co?
Generally your lender requires you to keep up-to-date proof of insurance on file with them.
Is it mandatory to have homeowners insurance after you pay off your house?
No. Unlike auto insurance, homeowners insurance is optional and is not mandatory if your house is paid for. Just keep in mind though, if your home is lost due to fire, tornado, etc., you will not collect any kind of recovery for the loss. Also, without a homeowners insurance policy with liability coverage, you won't be covered for liability damages should someone fall or be injured in some way while at your home.
How do I file a water damage claim?
If you have homeowners insurance, call the claims number on your policy. Explain the situation, have your policy number in hand, and if you have any receipts of damage or proof of damage keep it.
Does homeowners insurance cover burglary?
Yes, homeowners insurance typically covers theft and burglary of personal belongings. It's important to review your policy to understand the specific coverage and limits related to burglary. It's also recommended to document your belongings and keep a record in case you need to file a claim.
Does your family have to keep up insurance on your moms home since she is in the nursing home?
You will need to speak with your insurance agent. Be very careful because the homeowners policy that she had states that once she moves out of the house an has been moved out for 90 days the homeowners policy ceases to provide coverage. You will need to purchase a vacant dwelling policy unless you happen to rent the home ot while she is in a nursing home.
What is an unendorsed homeowners policy?
An unendorsed homeowners policy is a standard homeowners insurance policy that provides basic coverage without any additional endorsements or modifications. This type of policy typically covers risks such as damage to the home and personal property, liability for injuries to others, and additional living expenses in case the home becomes uninhabitable. However, it may not include specialized coverage options or additional protections that can be added through endorsements. Homeowners may choose to keep their policy unendorsed to save on premiums or because they feel the basic coverage meets their needs.
Will home owners cover damage by tenants to a hard wood floor?
First, if you are renting the home you should not have a homeowners policy on it. In you homeowners policy it states that 90 days after you move out of your home the coverage ceases even if you keep paying the premium there is no coverage. Homeowners policies are only for owner occupied homes. If it is rented you should have a tenant occupied dwelling fire insurance policies. In any case the both policies exclude damage caused by occupants. And damage must be by a covered cause. None of which work. Sorry.
Does met life homeowners insurance cover theft or robbery from your person while away from the home?
The standard homeowners insurance policy covers theft of your property away from your residence for up to 10% of whatever coverage limit you have. Keep in mind that not only does your deductible apply, but there are also several sublimits for things like cash and jewelry.
Where can you find homeowners insurance that allows ownership of exotic pets?
If you research on the internet, you'll find insurance companies that cover pets specifically. I keep parrots, but my insurance company won't cover them under my homeowners insurance...I have to buy a special policy, and then they won't cover death from illness and certain other things. They won't cover my dogs either without special riders and extra money.
Is car insurance required in Kentucky?
You are indeed required to have car insurance in Kentucky. However, you're free to look for the absolute minimums when filling out the insurance policy. This should keep costs down.
Should you keep your 18 year old son on your car insurance if he moves out of state and isn't going to college?
If he will be driving the car, then he should be on the policy.
