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Depending on the terms of your home contents insurance, your guests belongings should be covered. It all depends if you have Flood insurance which a lot of times is a separate insurance entirely.
All personal belongings are usually covered by home content insurance. If you have something very valuable then it would always be sensible to get separate coverage for that item. Always make sure to read the fine print of your home content policy as some companies might exclude certain items.
No. House insurance covers your home and normally the surrounding 'grounds'. If someone trips on your sidewalk and sues you, it will be covered. As for the contents of your home, you must purchase a separate policy or add it to the existing home policy.
Separate
These are two separate types of insurance policies created for two separate situations.
Yes, you can get separate car insurance if you wish. You do not have to have car insurance with your husband.
No, cancer is in no way communicable. There is no conceivable reason to do so.
no.
No, it's a separate coverage that you may purchase.
Two people in separate households can have the same insurance policy. Usually, you can give the insurance company separate garaging addresses.
The company you are renting the bus from should have the insurance. You do not need to purchase insurance from a separate company.
Sure can.