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2014-06-10 06:39:50
2014-06-10 06:39:50

Homeowners insurance is coverage for specified property owned by the named insured. It does not cover the property of others.

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No. No one is liable for an act of nature. The Homeowners Association's master insurance policy should cover damage to property owned by the association.


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No, Renters insurance is coverage specific to household property or contents owned by the named insured. It does not cover the property of others and it does not cover automobiles. Neither Renters insurance nor Homeowners insurance will cover damage to an automobile. That's what auto Insurance is for.


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No, Your neighbor has a home insurance policy to cover his owned property. Homeowners insurance is specific to the named insured and the insured's scheduled property. Homeowners Insurance does not cover automobiles or motorcycles at all and does not cover property belonging to third parties except in very narrow circumstances. Personal Property coverage excludes motorized vehicles except lawnmowers, golf carts, off-road ATVs, vehicles for the handicapped. If it is a vehicle intended to be licensed for road use, it is excluded under residential building policies.


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Yes. Homeowners insurance can be used to cover a home owned by a trust. It happens all the time. A number of people put their money into living trusts so their children will not have to pay probate fees. It costs a whole lot less money to pay a lawyer to write a living trust that to represent someone in probate court. (Pay me now or pay me a lot more later. In a car regular oil changes are less expensive than engine overhauls.) Insurance companies are set up for it.


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