Does a homeowner's policy cover lawyer's expenses if the insured fights a claim declination?

Answer 1

Typically, a homeowner's insurance policy does not cover legal expenses related to fighting a claim declination. Most homeowner's policies focus on property damage and liability coverage rather than legal defense costs. However, some policies may include a provision for legal defense in certain situations, so it's essential for homeowners to review their specific policy terms or consult with their insurance agent for clarity.