Homeowner's Insurance

There are many fine companies that can provide you with a homeowners insurance policy even if you have poor credit, You may not qualify for All Risk coverage or the Cadillac plans but you can still find adequate coverage.

Just do a search on your your favorite Internet search engine, or call a local agent and ask about basic, or level 1 coverage if price is an issue.

You may also want to consider contacting an independent agent or an insurance broker that has access to surplus lines insurance markets.

Homeowners insurance covers all your personal property with some limitations. The key to the damage being covered is what is the cause of the damage in the first place. Homeowners insurance does not cover maintenance or intentional act but covers most sudden and accidental events.

You will need to refer to your Home insurance policy language. Alternatively you can ask your Insurance Agent or company representative.

Most Home Insurance Policies these days contain specific language that excludes coverage for Asbestos and Asbestos related claims.

No, Plumbing maintenance and repairs are not covered by a Home insurance policy.

Your homeowners insurance provides protection from losses that result from the policies covered perils, Typically, Fire, Wind, Hail, falling objects etc.

First, you need to read your Condo agreement and see if the air conditioner is your property or if it if part of the joint property such as the roof. If it is your property a HO-4 homeowners policy normally has coverage for a certain amount of property that is part of the building. A central air unit is part of the building but window units are usually personal property.

Highly unlikely. Homeowners insurance is "Hazard Insurance" designed to cover losses to your homes structure or contents, Typical covered perils are Fire, Wind, Hail, Falling Objects, etc.

Dentures and other dental devices are typically covered under your dental policy or program. Unless you could establish that your dentures were damaged by Fire, Wind Hail etc, then there would be no coverage for dentures.

Repairs are maintenance and homeowners insurance is not intended to cover maintenance of your home. This is up to you to maintain your home. Insurance is made to cover sudden and accidental damage of a major cause such as fire, windstorm, lightening, and like causes.

Burst water pipes and water heaters busting are covered for the damage caused inside the house if its sudden and accidental, but the pipe or water heater themselves are not covered as this is maintenance. This is generally not a problem as the damage is more severe than the piece of pipe. Outdoors is going to be more of a problem as the damage is nothing anyway. More information is needed to give you a complete answer. Are you talking about sprinkler system, pipes in a pool house for the pool, or other pipes. Cause is the issue in question as well.

Generally, homeowner's insurance has an element of liability coverage as part of it, but not necessarily so (for example, if the policy is one that covers only the structure of the building--often called a "dwelling policy"). When it does have liability coverage, part of the insurer's responsibility is to provide you with a defense (an attorney) if you are sued for damages arising from a type of risk covered by the policy. An example might be if a guest tripped on a child's toy that was in the guest's path, and the guest was injured.

The fact that you used the tern "arrested" suggests that a crime of some type was involved. Criminal acts are normally expressly excluded from the scope of coverage.

Your best bet is to go and see or call an independent insurance agent in your area. Independent Insurance Agent represent many different companies and them being local they will represent companies that do well in your area. Be truthful and tell them the true answers to any questions they have as this will help them to find you the best coverage at the best rates available in your area. If you don't find what you are looking for them call another agent and see what they have to offer. The agents can shop through all their companies and find the best one out of all they represent.

Usually if one has ceiling water damage there will be signs of moisture leakage on the ceiling. One should inspect the roof for loose shingles and make sure that the gutters are cleared from any clogs due to leaves. Other signs might be a musty odour, bulging or sagging ceilings or perhaps even rust showing on metal light fixtures/

Every Insurance company has it's own underwriting guidelines. So it just depends on the company.

There are many ways to write an insurance policy; you will have to read your actual policy to find out what your insurance covers.

No. Motorcycles are covered under a motorcycle policy that is purchased separately and like an auto policy you need comprehensive coverage on the policy to cover theft. A homeowner's policy specifically excludes coverage for any self-propelled vehicle except lawn mowers used exclusively for the maintenance of your property. If the mower is used to cut other peoples grass for pay it is not covered except under a business insurance policy.

No homeowners insurance does not cover vehicles, that's what auto insurance is for.

I sincerely doubt that the Robber would carry public liability insurance of any kind, and general "Public" would not be liable for the acts of a robber.

There is no Insurance Policy owned by the "Public", that would cover damages to crime victims. Some states and jurisdictions do however have programs in place to provide financial assistance to crime victims, but this is not insurance.

In fact, there is no Insurance Company that would insure a Robber for loss or injury resulting from criminal activity.

"All" Insurance Polices specifically exclude coverage for losses resulting from criminal acts of the named insured.

Absolutely. Every homeowners insurance company I know of asks if you have pets and if so what breed. Most specifically ask about Pit Bulls, Rotweillers, Doberman Pinchers, German Shepherds, any dog partly made up of these breeds, or any animal with a bite history. If you look at the statistics you will see that Pit Bulls make up less that 2% of the dogs in the U.S. but result in over 60% of the deaths with over half being children under 12. These types of dogs result is millions of dollars each year in losses from lawsuits over a biting. Of course these are not the only dogs that bite but these are most of them. Homeowners insurance covers suits and legal fees for this and many other items. The applications also ask if you own a trampoline or an unfenced pool. If you have one of these dogs some companies will write the insurance if you sign an animal bite exclusion which excludes coverage for suits of this type.

I don't think they cover damage by any animal, wild or pet. Check with your agent. I had a squirrel get into the house somehow while I was away for a week. that squirrel literally ate my metal mini blinds trying to chew her way out and damaged the wood on the windows. Not covered!

No. The medical coverage and liability sections of a homeowners policy do not contain any deductibles. These sections do not cover the homeowner or any household residents.

If they are damaged by a covered cause then yes. I believe you are referring to damage caused by lack of maintenance and in that case they are not covered. It is specifically your responsibility to maintain the home and homeowners insurance is not designed to do this. If you have a fire or a tornado rips off your roof then the facia boards are covered along with other items damaged.

You already answered your own question.

If the house is worth 300K, then you buy hazard insurance on the home for 300k. It would be unlawfull (insurance Fraud) to over-insure your property.

It doesn't work that way, They don't pay by the square in Iowa or any state.

As the roofing contractor, you just submit a bid proposal to the homeowner for the entire job. The home owner either accepts your bid or they don't accept it. The homeowner then, upon acceptance of your offer, forwards your bid to the Insurance Adjuster, If your bid is reasonable then they will accept it also and authorize the work to begin.

You don't get to ad-on costs after the job is done. No contractor over-ride or profit margins get added after the job. You need to include all that in your initial bid for the roof. If you attempt to add additional after the job is done, the company will likely reject you bill.