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Answered 2012-07-19 08:19:29

Generally no, unless it is due to a SUDDEN and ACCIDENTAL event such as a tree falling against your house.

Cracks in brick & mortar are generally due to normal & gradual settlement and are not covered. They can also indicate foundation problems (also not usually covered unless due to a Plumbing leak)

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Homeowners insurance specifically excludes damage done to any four wheel motorized vehicles and motorcycles. Your only coverage for such is under an auto insurance policy and you will need to have comprehensive coverage for such a claim.

Does homeowners insurance cover damage caused by a repair man?

Not generally. If the repair man is responsible for damage, he is also responsible to repair it.

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Damage must be due to a covered cause for the damage to be claimed on your homeowners insurance. I cannot think of any way damage to a sewer could be from a covered cause.

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Does homeowners insurance cover a shopping cart hitting a car by a person?

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