Your homeowners insurance policy typically does not provide coverage for maintenance and pruning of your landscape or its associated foliage. This is a maintenance issue and needs to be paid for by the homeowner.
Question your homeowners insurance. If it was the neighbor's pool, perhaps their liability/homeowners insurance will pick up the cost. In any case, you have to have the ambulance at any price.
The neighbour. Perhaps. This could be similar to a tree coming down. Such situations are considered an act of God, and the owner of the damaged property would need to file a claim with their homeowners insurance carrier, perhaps the auto policy carrier. Check with your insurance carrier(s) to be certain.
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.
Perhaps if the car and the garage were both damaged, then you would collect from both. Most likely the car insurance covers the car only and the homeowners covers just the dwelling. Check with your insurance agent.
Generally homeowners policies are not increased due to claims. Perhaps a company may have a discount for being claim free that might make it go up after a claim because you loose the discount. One thing to remember is that a homeowners policy is made for big claims and not little claims. Claims history is judged by frequency as well as claim amounts. The easiest way to get cancelled is to start making small claims. I recommend keeping a $1000 deductible or higher and only use it for large losses. Homeowners Insurance is a loosing business for the last few years and the worst thing you can do is to get cancelled because it is getting harder and harder to find good homeowners insurance at a good rate.
No, can't think of a 'rule'. Maybe your policy had depreciation? If you mean maybe that they only paid to replace the room that was damaged instead of the entire house? If you could be more specific perhaps I could be of more assistance.
Perhaps.
Uhmm,, Let me Guess? Is it Insurance that covers an owners HOME perhaps?
If you have their drivers license and insurance card what else will you need to know their insurance company. Perhaps you did not list the question correctly for what you meant.
Perhaps "paw cutter" (e.g. removing a rabbit's foot).
I believe you can get liability and perhaps uninsured motorist insurance without owning a car.
One of the Business Insurance companies in Cleveland, Ohio is Oswald Insurance. It appears that they are available to provide insurance for business and perhaps even consumers.