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Wrongful death will generally be covered by the liability portion of the policy. Many people skimp on this which is very foolish in my opinion. The difference between a $300,000 coverage and $500,000 coverage for a comprehensive policy in CA is about $10/year!
I would also recommend looking at a personal umbrella policy. They can be very inexpensive especially if you have sufficient assets for someone to sue you for.
What else can I help you with?
Does homeowners insurance continue after the owners death?
Homeowners insurance will continue after an owners death. The Homeowners insurance policy will typically be paid for by the executor of the estate and become his or her responsibility.
Does homeowners insurance cover foreclosure?
No. Homeowners Insurance does not cover the owners default on a mortgage note.
Does a homeowners insurance policy have to have the name of the current owners on the policy?
Yes, of course. The current owners on the policy have to pay for the insurance policy, This is why this policy states that it is a homeowners policy.
Does home owners insurance cover generators?
Your homeowners insurance covers your home structure.
What is the difference between home owners insurance and hazard insurance?
Homeowners insurance is often referred to as Hazard Insurance. They are the same thing.
In a land contract.who is responsible for home owners insurance?
Nobody. Homeowners Insurance covers Homes not land.
Is landscaping covered under home owners insurance?
No, Your homeowners insurance does not cover landscaping or lawn maintenance.
Will home owners insurance cover radon removal?
No. This is not what homeowners insurance is designed to do. This is not a covered cause. Homeowners insurance covers more than any other kind of insurance especially with the premium as low as it is.
Does homeowners insurance cover auto damage to non-owners vehicle your property by someone hitting a pole?
Of course NOT. Homeowners Insurance does not cover auto accidents. That's what Auto Insurance is for.
Does home owners insurance cover an individual if they are helping someone and get hurt in the process?
No, homeowners insurance is not a replacement for health insurance.
Can an homeowners association in a community with multifamily units buildings like townhouses require the individual homeowners-members to carry full homeowners insurance?
Some boards may pass resolutions making this requirement, and the governing documents are specific about the percentage of owners required to vote in favour of such a resolution before it can go into effect. Insurance carried by owners protects not only the owners, but protects the association, because catastrophic damage is not generally limited by boundaries laid out in your governing documents. You can work with your broker to purchase the insurance necessary to protect your property and the common areas when your options are compared to what's already covered -- common areas, in the master policy. Your board cannot require that you over-insure, but best practices dictate that you insure so that there are no gaps in coverage.
Will the home owners insurance cover if my vehicle hit my garage wall?
No,, That would be covered under your auto insurance policy. Homeowners insurance does not cover damages to street vehicles.
