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Does homeowners insurance cover others peoples belonging in the home if you are not on the policy?
Normally the policies are written in such a way as to cover "the house located at (address) and its contents (up to some dollar amount)", not "(specific person)'s belongings", so there's no need for anyone to be specifically listed on the policy. If the items in question were in the insured dwelling, and they were damaged due to something the policy covers, they should be covered.
If there's any question in your mind about what's covered and what isn't, call your insurance agent and ask. You don't want to assume that your friend's $50,000 stamp collection you're storing in your garage is covered and then find out that it wasn't because you didn't specifically declare it or something.
What else can I help you with?
What companies offer home owner insurance?
Homeowners insurance is offered by several large insurance companies. They include MetLife, State Farm, and Travellers Insurance. There are several others available as well.
What is an unendorsed homeowners policy?
An unendorsed homeowners policy is a standard homeowners insurance policy that provides basic coverage without any additional endorsements or modifications. This type of policy typically covers risks such as damage to the home and personal property, liability for injuries to others, and additional living expenses in case the home becomes uninhabitable. However, it may not include specialized coverage options or additional protections that can be added through endorsements. Homeowners may choose to keep their policy unendorsed to save on premiums or because they feel the basic coverage meets their needs.
Why would one need third party insurance coverage?
One needs a 3rd party insurance coverage to cover for damage for vehicle or property. This kind of insurance covers injury of others, including passengers in the car.
What is premises and operation insurance coverage?
protection for bodily injury to others occurring on th premises
Does renters insurance cover damage to others property?
No. "Renters Insurance" is property coverge for a tenant. It will cover the property of the named insured Tenant or Renter that is located within the rented dwelling. It will not cover property of someone who is not a named insured on the policy.
Where should you keep your Homeowners Insurance policy?
where you and others cvan find it if needed.
Which Californian companies offer homeowners insurance?
There are many companies in California that offer homeowners insurance. Some of the companies offer better deals that others at better rates and interest.
How can you get insurance coverage for an item that you rent to others?
Yes. An example of this would be the homeowners insurance that you carry on a rental property.
Does the mortgage pay homeowners insurance?
In some mortgages insurance is included in the payment, but in others it isn't. If you don't know what you have you need to check.
What is home insurance?
Home Insurance is Insurance coverage for your house, condo or apartment for your personal property and liability coverage for you. The insurance coverage for your house is also called homeowners insurance. The Homeowners isurance is an insurance package that has coverage for the dwelling, the others structures on your property, Loss of Use, Medical Payments and Personal Liability.
Will homeowners cover damage to non owned golfcart if you damage it?
Homeowners insurance is coverage for specified property owned by the named insured. It does not cover the property of others.
Will homeowners insurance cover you if you have a Rotwieler?
HO insurance does not like Those dogs or Pit Bulls amongst others. Why? Because they are baby chewers!
Can homeowners insurance cover owners medical bills when hurt in a park?
No, That's what your Major Medical or Health Insurance policy is for. Homeowners Insurance is "Property Insurance". The very, very small amount of medical coverage offered on most home insurance policies is for accidental injuries to others while on your property.
Does homeowners insurance usually or always cover accidents in the home involving guests?
Yes, it can. Depending on your coverage and policy with your insurance it can cover medical for others.
What companies offer home owner insurance?
Homeowners insurance is offered by several large insurance companies. They include MetLife, State Farm, and Travellers Insurance. There are several others available as well.
Does homeowners insurance cover broken faucet?
No. A broken faucet sounds like a maintenance or a manufacturer issue and not an insurance problem. Insurance covers events that happen due to a covered cause such as : fire, theft, lightning, windstorm, weight of ice or snow, and many others. The covered item happen in a sudden and accidental manner for them to be covered as well. At no time does a homeowners policy cover maintenance problems. This is not what a homeowners policy was designed to do.
Will renters insurance pay if a car is hit on property?
No, Renters insurance is coverage specific to household property or contents owned by the named insured. It does not cover the property of others and it does not cover automobiles. Neither Renters insurance nor Homeowners insurance will cover damage to an automobile. That's what auto Insurance is for.
