Yes, Your homeowners Insurance policy, (unless you have Fire Only) should respond to damages to your home from an automobile.
i am an insurance agent and if you have a hit and run such as that description and you do have a homeowners policy. it will be covered under the policy, you will have to pay your deductible and it will go onto your records as a loss but they will pay the damages that are above your deductible, now they will have to prove that it wasnt one your cars doing the damages so you can get a new brick wall and that it wasnt because your wall was old and just fell. and trust me they have their way of proving that.
Homeowners insurance covers what is inside the home. Check your auto insurance for auto damages.
Not likely. Most homeowners insurance policies these days automatically exclude coverage for injuries or damages resulting from pet ownership.
No. Your policy will only cover damages which were caused by a covered loss during the policy period.
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.
No. If your house been built fairly recently, then the contractor who built your house may be lible for damages. If he is a licensed contractor, then he will (should!) be bonded, which should cover the damages.
Automobiles are covered by Auto Insurance. If you have full coverage auto it will repair any damages caused to your vehicle by the shopping cart, minus your deductible of course. Homeowners Insurance does not cover automobiles, if it did, we would have no need for car insurance.
Not if the person lives in the home. An insured cannot be liable against themselves.
It will ultimately depend on the language of your insurance policy, Damages resulting from our choice of pet ownershp are typically not covered. This is because your home insurance is designed to cover losses that are accidental, unplanned or unexpected in nature. Damages caused by pets are generally considered a normal and expected part of pet ownership.
Most homeowners insurance policies cover repairs caused by storm damage, however you will have to check your policy to be certain. Usually, you will have a fixed amount of time to claim damages.
Both can sue for medical expenses and any disfigurement, scars and such also Punitive damages, punitive damages are meant to punish the person that caused the harm and if they have homeowners insurance they could be sued for several thousand in punitive damages.
Yes, Homeowners insurance typically does provide coverage for losses that result from an accidental fire.
Of course not. Scabies is a skin condition caused by a type of mite. There is not way that this would be covered under a homeowners insurance policy
most of the time they will only damages caused by the bad repair not the repair itself 1. Read your policy 2. Call your insurance agent and ask THEM.
Definetely you can claim for the damages caused by the tree falling on your house. The Insurance companies cover these damages under the property insurance. Just you have provide the photos of the damaged house aas an evidence to claim your money.
Depends. If said friend has insurance then in most cases their insurance will cover the damages due to vicarious liability. If the friend does not have insurance, you are then responsible for any damages caused.
The neighbor should be held liable for damages caused by anyone or anything that resides upon his property whether or not it is included in the homeowners insurance. You can file a complaint with the local animal control agency in your area.
Yes, they are through their homeowners policy.
Generally no. The only time that your homeowners policy will cover property of anyone else is if you are legally liable for the damages. For instance if you started a fire on purpose for some reasonable need that got away from you and they neighbor demanded payment. In this case you turn it over to your insurance company which will decide how to proceed. You liability section provides coverage for damages and they will provide legal defense in addition to the liability coverage if necessary. I will caution you that liaiblity claims will make you typhoid Mary to insurance companies and you will not have luck getting or keeping homeowners insurance.
Only if you have earthquake coverage. A regular homeowners policy excludes damage caused by ground movement or earthquakes.
Yes, but you would have to pay what your homeowners deductible.
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.
Accidental, Yes. Intentional, No
Homeowners insurance covers many things, but not faulty construction or damage caused by deferred maintenance. You will have to check with your insurance company to see if the problem and its cause are covered.
It may and My policy does