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Homeowner's Insurance

Homeowner's insurance is a kind of property insurance, which offers both property and liability coverage. Here, a single premium covers all risks. It applies to private homes and requires that at least one of the insured occupies the home.

3,366 Questions

How to check the status for AAA Insurance Claim with claim number?

To check the status of an AAA Insurance claim with a claim number, you can typically visit the AAA Insurance website and log in to your account. Once logged in, navigate to the claims section where you should be able to enter your claim number to check its status. Alternatively, you can contact the AAA Insurance claims department directly via phone and provide them with your claim number for an update.

Does homeowners insurance cover busted water pipes?

Well, honey, homeowners insurance typically covers busted water pipes if it's sudden and accidental, like your crazy uncle's dance moves at a family wedding. But if those pipes have been neglected longer than your neighbor's overgrown lawn, you might be out of luck. Best to read that fine print and call your insurance agent faster than a cheetah chasing its next meal.

If 2 pieces of a 3 piece hutch is ruined do the pair and set clause come in effect?

First issue: how were the pieces ruined? If the damage was not a result of something that would be covered by the policy, then there's no need to wonder about the pair and set clause.

It's hard to answer this without knowing what the cause of damage was. I'm going to go with "yes" for now. But the purpose of that particular clause is to protect a company against fraud, and to make sure that you are in the exact same "financial" position you were in before the claim occurred. Here's what I mean by the last part: before the claim you had one hutch. If the company replaces the hutch and leaves you with a new hutch and a partially usable old one, then you are now better off than you were. You could possibly sell the old hutch for pieces, whatever. That's not the purpose of the insurance policy. The purpose is to put you in the same exact financial position you were in before the claim occurred, so they would give you a new hutch and take the old one.

Will allstate drop if you had hail damage and flood damage with a year?

It is possible for Allstate to drop you if you make multiple claims for hail and flood damage within a year. Insurance companies may view frequent claims as a higher risk and may choose to terminate coverage. It would be best to check with Allstate directly to understand their specific policy on claim history.

Are you liable if your tree causes a power surge inside your house after rubbing a power line in the yard?

As a homeowner, you may be liable if your tree causes damage to power lines on your property, including power surges in your house. It is important to regularly maintain trees near power lines to prevent potential hazards like power surges. You may need to contact both your insurance provider and the utility company to address the damage and any potential liability issues.

Will homeowners insurance cover a cracked foundation caused by an earthquake?

Typically, standard homeowners insurance policies do not cover damage to a foundation caused by earthquakes. You would need to purchase a separate earthquake insurance policy or rider to have coverage for this type of damage.

Why would securing gas appliances such as a furnace or a stove make your home earthquake safe?

Securing gas appliances helps prevent gas leaks during an earthquake, reducing the risk of fire or explosion. This can protect your home and occupants from harm and mitigate potential damages caused by the earthquake. Additionally, securing these appliances can minimize the need for repairs or replacements after the event, making your home safer and more resilient in the long run.

How does state farm insurance define natural cause?

State Farm Insurance defines a natural cause as an event or disaster that occurs without human intervention or involvement, such as earthquakes, floods, hurricanes, or lightning strikes. These events are considered to be beyond human control and are typically covered under their insurance policies.

Does homeowner's insurance cover land erosion?

Homeowner's insurance typically does not cover land erosion or damage caused by it. This is considered a natural process and is usually excluded from coverage. It's important to check your policy or consult with your insurance provider to understand the specific details of your coverage.

Does homeowners insurance cover earthquakes?

In general, standard homeowners insurance policies do not cover earthquakes. However, you may be able to purchase a separate earthquake insurance policy to provide coverage for earthquake-related damages to your home and belongings.

How can you determine if the foundation of your house is settling?

Signs of settling foundation may include cracks in walls or floors, uneven floors, sticking doors or windows, or gaps around doors or windows. A professional inspection by a structural engineer or foundation specialist can confirm if settling is occurring.

If underground valves in a sprinklerr system burst and caused a lot of cracking in the walls will the insurance comapny pay for the cosmetic work to repair the walls and a soil test?

Most homeowner's insurance policies cover damage caused by burst pipes, including repairs to walls. However, coverage may vary, and it's essential to verify with your insurance company what is included in your policy. A soil test may not be covered under standard policies unless it is directly related to the damage caused by the burst pipes.

Does homeowners insurance cover foundation cracks caused by soil expansion?

Homeowners insurance typically does not cover foundation cracks caused by soil expansion. This type of damage is usually considered a maintenance issue rather than a sudden or accidental event. It's important to regularly inspect and maintain your home's foundation to prevent potential issues from occurring.

Circuit breaker trip cause smoke will homeowner insurance pay for it?

Homeowner insurance typically covers damages caused by a circuit breaker trip, including any resulting smoke damage, as long as the damage was not intentional or due to negligence. It is important to review your specific policy coverage and consult with your insurance provider for more information.

How can you tell if your roof is damaged because of a hail storm?

You can look for signs such as dented metal vents or gutters, cracked or missing shingles, and granules from the shingles accumulating in the gutters. It's also a good idea to have a professional roofing inspection to assess any damage accurately.

Why does an overloaded electric circuit catch fire?

An overloaded electric circuit can catch fire because the excess current produces heat, which can ignite nearby insulation or materials. This can lead to a short circuit or an electrical arc that can cause a fire. It is important to avoid overloading circuits to prevent this risk.

Has anyone had a pool collapse from the weight of snow-how do you get your insurance to cover it?

If your pool collapses due to the weight of snow, you should contact your insurance provider immediately to file a claim. Make sure to provide documentation such as photos of the damage and any necessary repair estimates. Your insurance policy may cover the damage depending on the terms of your policy and the cause of the collapse.

Your new condo roof is leaking due to snow and ice Is it covered?

Typically, a standard homeowner's insurance policy may cover damage from roof leaks caused by snow and ice. However, coverage may vary depending on the specific policy and the cause of the damage. It's important to review your policy and contact your insurance provider to determine if you are covered for this situation.

What criteria are used for determining ocean zones?

Ocean zones are determined based on depth and distance from the shore. The main criteria used are the amount of light that penetrates the water, temperature, and the presence of marine life. These criteria help scientists classify the ocean into distinct zones like the sunlight zone, twilight zone, and midnight zone.

Will geico pay for car damages struck by a lightning?

Geico typically covers car damages caused by lightning under comprehensive coverage, assuming you have this coverage on your policy. Comprehensive coverage protects against non-collision events, such as fire, theft, vandalism, and natural disasters like lightning strikes. It's recommended to check your policy details or contact Geico to confirm coverage.

Is ADT Security a good company to work for?

ADT Security is a reputable company, known for its commitment to home security services. Job satisfaction can vary based on individual experiences, so it's a good idea to research employee reviews and company culture to determine if it's a good fit for you.

How do trees keep the air clean?

Trees absorb carbon dioxide from the air during photosynthesis and release oxygen as a byproduct. This process helps to reduce the amount of carbon dioxide in the atmosphere, which can contribute to air pollution. Additionally, trees can capture and filter particulate matter and other pollutants from the air through their leaves and bark.