Will Home Owners Insurance cover floor damaged by poor installation?
Generally No, Your homeowners insurance does not provide coverage for the quality of workmanship you hire from a contractor or builder.
Your contractor or your contractors General Liability Insurance Policy would offer coverage for your loss.
This is why it's always best to check out a contractors credentials. You should always verify they are properly licensed and carrying the appropriate insurance before any work starts.
Does renters insurance cover a window mounted air conditioner that fell out of the window and damaged the building?
Will homeowners insurance cover the installation of a HVAC Unit if your house never has had one before?
NO, Your homeowners Hazard Insurance Policy does not pay for maintenance or other home upgrades. However upgrades should be reported to your insurer as they can be covered if damaged or loss occurs from covered peril on your policy. If your Insurer is not aware that you have added an HVAC unit it will likely not be covered if damaged.
Does homeowners insurance cover auto damage to non-owners vehicle your property by someone hitting a pole?
When borrowing a pickup and hauling furniture something flew out and damaged truck He only has liability will that cover it or will your insurance have to cover it?
Yes, you are correct. Items in your vehicle that are damaged in an accident or fire or whatever are not covered by you auto insurance unless they are part of your vehicle. The alternative is that they are covered on your homeowners insurance. The downfall to this is that you will have a deductible on your homeowners insurance that you will have to meet first.
Does an owners liability insurance cover damages to contents of renters property if the homeowner is negligent?
No, a homeowners insurance policy does not provide coverage for the property of a tenant. That's what "Renters Insurance" is for. If the renter chose not to purchase a renter insurance policy, Then the renter was negligent to the extent that the renter chose not to purchase a renter insurance policy, perhaps with the mistaken belief that the owners policy would cover them.