No, homeowners insurance is Property Insurance, it does not cover loses or damages resulting from our choice of pet ownership.
No, you would need to purchase an Insurance policy for your Rental Property. Sometimes referred to as landlords Insurance.
It is highly unlikely.
The at-fault driver's insurance will pay for all property and bodily injury damages.
No. homeowners insurance covers resulting damages of the covered perils.
no your uninsured motorist will though. your deductable will be lower, and making too many claims on homeowners will likely caused them to be dropped by the company. i once heard you can only make a claim on homeowners once every 3 years but i don't know if that's true.
Weather doesn't matter. Your HomeOwners Insurance would be responsible for those damages.
No. Your Homeowners insurance is "Property" insurance. It covers property damages caused by certain covered Perils such as Fire, Wind, Hail, Lightning, Fire etc. You will not find coverage on your Home Insurance Policy for death or related expenses.
Uninsured motorist coverage provides insurance coverage when you are hit by a person who has no insurance coverage. You uninsured motorist coverage will take the place of the insurance that the other person did not have and will cover your damages just like theirs should have if they had it. The only difference is that you will have a small deductible for property damage coverage.
Uninsured MotoristUninsured motorist is pretty much insurance where if someone hits you and they lack auto insurance, your insurer will still pay damages for your car.