Homeowner's Insurance

It has to be a covered item on your home insurance policy and would have to have been damaged due to a covered peril such as lightning, wind hail, fire, etc.

Ask them. If they want to tell you they will.

There are many, many things that can cause an increase in a Homeowners Insurance rates.

Here are just a few;

Poor Credit

General Inflation

Age of Home

Condition of home

Condition of land

State mandated rate adjustments

Certain Pets

Regional Claims

Regional Disasters

Previous claims history

Neighborhood crime rates

Regional Construction Costs

Attractive Hazards ( trampolines, Pools )

Construction Type, ( Brick, Frame, Stucco )

Proximity of neighbors

Proximity of Fire Facilities ( Fire Stations, hydrants )

Basically, any change in risk factors or associated costs can cause a change in rates.

Yes, The insured can add a spouse to the policy as a co-insured. You don't have to be on the deed.

Generally no it would not be covered unless the damage was caused by a covered peril on your policy such as Wind, Hail, Lightning, Fire etc. This would most likely be considered normal and expected wear and tear.

Loss history refers to the claims you have had in the past wether on that property or another.

No. This is not what homeowners insurance is for. Homeowners insurance is to pay for physical damage to your home and contents.

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.

No. This is not what homeowners insurance is designed to do. This is not a covered cause. Homeowners insurance covers more than any other kind of insurance especially with the premium as low as it is.

No, Homeowners insurance does not provide coverage for Landscaping or lawn maintenance nor for land or tree maintenance.

You don't, your insurance covers your home and your neighbors insurance covers their home.

If you have a covered property loss, you contact your own insurance company, not your neighbors. Likewise if your neighbor suffers a loss, he contacts his own insurer, not yours.

Should the two of you ever have cause to meet in a legal dispute, you both may get to meet the others insurance company through their legal defense teams.

Just contact your own insurer, If they determine your neighbor is somehow financially liable for a loss they would know how to subrogate the claim.

Yes, Each jurisdiction has it's own regulations regarding statutes of limitation

Depends, homeowners insurance does have a liability section in it, and you are liable for the person helping you gets hurt, then yes, but if you are not liable then your insurance will not respond, here in ONtario there is a section in the liability called Voluntary medical payment where you can provide monies to the injured person wheather you are liable or not. This is usually limited to an amount such as $500-$2000 and this coverage does not require you to pay a deductible but will affect your insurance premium wise.

Your Auto Liability Insurance will offer coverages for damages resulting from automobile ownership.

Homeowners Insurance does not cover autos or auto accidents.

No, Homeowners Insurance Is Hazard insurance for your house, it generally does not provide coverage for pest control services.

Pest control is a regular and expected homeowners maintenance issue.

It depends on why they didn't pay the claim.

If you have the coverage and followed the requirements, like making a police report, cooperating with the insurance company as well as the police then you should have no problem with a claim, if it was in fact a theft.

Otherwise you can always sue the company or file a complaint with your state department of insurance if you feel you were denied coverage you paid for.

Yes, The Heirs can buy the policy or the Estate executor can buy a home insurance policy.

No. Any loss must be due to a covered cause in order to collect on a claim. Loosing something is not a covered cause. Sorry.

No, your tenants policy will only cover your contents. Unless you are negligent in the garage door being damaged, like you drove into it. Then yes it would be covered under your liability coverage but the homeowner would still need to go through his insurance company and subrogate against yours, most insurance companies do not work directly with the third party and rather deal with another insurance company. More specifics regarding the damage and how it happened would be required to assess as well as your policy wording, I suggest calling your insurance company and discussing it with there claims office, most insurance companies will have some sort of claims guarantee where they will consult you on the claim before making it affect you.

There are many reasons for home owners insurance to reduce in premium, such as various discounts, security alarm discount, mortgage free discount, home and auto discount, senior discount, claims free discount, new home discount, and the list goes on, as well every year in Ontario your insurance company will either increase there home rates, decrease them or leave them as is, this could also affect the premium. As well your postal rating may become more desirable to the insurance company and it will drop in premium this way. There is honestly so many ways insurance premium can change without being in the industry the best thing I can suggest is to look for discounts, this is the one important thing homeowners can control.

No!! It is highly illegal for you to do this. When you make a claim on you home insurance for something that was the fault of your contractor you sign over all subjugation rights against this contractor to your insurance company. This means that if your home insurance pays any part of this claim you give them all your rights to go after the contractor, which they will do. They will go to the contractor and their insurance company to get reimbursed for any amount they paid plus costs. In most states it is considered insurance fraud for you to even try to collect damages from two places for the same claim.

The best place to find out what your protection class is for your home would be to contact the fire chief in your area and he or she can tell you your true protection class.

Depending on which homeowner's policy form you have it will either pay for replacing the windows or the actual cash value of the windows which is replacement less depreciation. Most people will have a Form 3 which will pay for replacement cost.

PMI only covers the Mortgage company or Lender. When PMI pays on a defaulted mortgage note, the buyer then owes the balance of the mortgage to the PMI company. It does not relieve the buyer of the obligation to pay.

Refused to pay on? What type of claim is it?

Only the legal owner of the property can receive compensation for a property loss.

Homeowners Insurance claims are typically expected to be used to repair the property. It's often paid directly to the contractor performing the repairs so the insured property owners may never actually see the check.