Fences are covered by policies that have Other Structure coverage (most do) but they are covered on an Actual Cash Value basis, not Replacement Cost. Basically, you'll get a depreciated amount for your damaged fence.
Homeowners insurance does not cover automobile nor there parts.
Homeowners policies exclude damage due to "settling, cracking, bulging, shrinkage or expansion of foundations, walls, floors, ceilings, walks, drives, curbs, fences, retaining walls..." (language varies by state)
No. Homeowners Insurance does not cover the owners default on a mortgage note.
All homeowners policies cover damage caused by lightning.
Yes. That is covered on a homeowners policy.
NO, your homeowners policy will cover 'additional living expenses' but will not cover your mortgage.
No, Homeowners insurance is for the house. it does not cover cars or car accident claims.
No, That would be a homeowners maintenance issue.
Your homeowners insurance should cover damage to your sprinkler system if the cause of the damage is covered by your homeowners insurance policy such as fire, lightning, freezing of pipes, etc. Homeowners insurance is not a maintenance policy and will not cover mechanical failure of your system.
No, Your homeowners insurance does not cover vehicle damage. That's what auto insurance is for.
No. Damage from insects would not be covered on a homeowners policy.
Homeowners Insurance does not provide coverage for motor vehicles.