If the deck has not been maintained and falls apart the homeowner has to pay to get it fixed or replaced. Insurance does not typically cover such items unless the damage was a result of fire or flooding or some such catastrophe.
Long term care insurance companies do not necessarily have age limit but in general, they don't sell ltci to people above 84 years of age, and even if you are qualified to buy long term care insurance at that age, the premiums will be very expensive. When planning for long term care insurance, age is one of the major factor to consider because the cost of long term care insurance increases as you age, and if you are one of those people who are at risk of developing chronic illness, then there is a big chance that you might be declined so I suggest you plan for long term care while you are still young, healthy and employed.
AARP insurance is split into two age groups, 50-64, and 65 +, so the minimum age for requirement is 50. Although originally designed for retired individuals, you no longer have to be retired, just over the age of 50.
The federal health insurance provided to people age 65 and over is called Medicare.
No. I don't think any insurance company will give a fresh insurance policy to someone that age. Most insurance company's have an upper cut-off age for policies which is around 50-60 years. Anyone above 60 years age has a very good probability of natural death and hence insurance co's wont sell policies to those people. Since the person under consideration here is 93 years old, the chances of getting a policy is 0%.
There is no specific age limit for disability insurance, as eligibility typically depends on the insurance provider's specific policies and the individual's health and occupation. However, older individuals may face higher premiums or more limited coverage options. It's best to consult with insurance providers directly to determine eligibility based on your age and circumstances.
It may, You really just need to discuss it with your Insurance Agent. Some homeowners policies do provide coverage for certain types of Sink-age and some do not.
unless it is pretty fatal
If your air conditioner is not operational due to age, wear or is simply broken down it is not covered under your homeowners Policy. If it was damaged due to a covered peril such as fire or lightning then it should be covered.
HO9 insurance, also known as the "Modified Homeowners Policy," is designed for homeowners who have a unique property situation, such as a house that may not fully meet standard insurance criteria due to its age, condition, or occupancy. It typically covers the structure of the home, personal property, liability, and additional living expenses, similar to other homeowners insurance policies but with tailored provisions. This policy is often utilized for homes that are not primary residences, such as rental properties or vacation homes. Always consult with an insurance professional to understand specific coverage details and limitations.
Homeowners insurance generally does not provide coverage for settling. This is considered a natural and expected occurrence over time. However depending on the age and purchase date of your home. You may have coverage for such issues under your Home Buyers warranty that would have been purchased through your Realtor when you bought the house.
You'll have to contact your insurance agent and ask them, There are many different levels of Homeowners Insurance and it really depends on the breadth of coverage you purchased. As a general rule though. If the pipe collapsed due to a covered peril then it would be covered. If it collapsed due to age or normal wear and tear then it will likely not be covered due to it's being a maintenance issue.
Probably not. If the failure was caused by an insured peril, probably. If failure was due to simple age, corrosion, etc, no.
Homeowner's insurance rates vary widely based on many factors, including home size, age, condition, use, and security, as well as you desired coverage and deductibles. You can get quotes from most most providers, or do a group search that meets your criteria at a site like http://www.LowerRateQuotes.com/homeowners-insurance.html
no. an air conditioner is a household appliance the same as a washer or dryer. however there are service contracts available to cover all these major appliances which is really insurance. prices vary by appliance and age
Just as it is anywhere else, It depends on many things, the value of your home, The condition and age of the home and where it's located as well as the claims history of the property and the property owner.
You need to compare your rates with State farm analize other insurance agencies costs. Think about your drivng record ie: accidents, driving record, age,and how many cars you own and will have insured, if you want to bundle your house and life policies with your car insurance.
It depends on what the policy says. Recognize that even if it does, you'll probably loose the insurance afterward or the rates go up. If you loose the insurance, other insurance companies may not be willing to cover you once they find out that you have that kind of person living in your house. Insurance companies are constantly determining their risk. If they see a condition that may cause higher risk, they tend to deal with the condition.