Homeowner's Insurance

Yeah, but you need to make sure you insure for all owner parties and document each insured persons interest in the home.

If the home is part of an estate or a probate process, the executor can also buy the policy.

Most likely, however, you must first determine specifically what it is you're claiming. If your roof has become a victim of simple ageing, I doubt there will be any coverage at all....unless you're paying jolly exorbitant premiums.

If it is damaged due to 'force majure' (an act of God), this may also be excluded, such as in some areas prone to tornadoes or hurricanes or cyclones. This, again, you need to check on your policy. There may be a rider for this specific purpose that you're required to purchase.

If a neighbour's tree falls across their property line and onto your roof, their home owners policy in almost every event would be covered as this is part of the liability coverage.

I'm sorry I can't address specifically as I don't know what type of policy you hold, how old it is, and what the type of claim you're considering based upon which facts.

That would be highly unlikely. Unless you specified on your policy you have a stocked pond and want to insure your fish and the pond I doubt they would even underwrite that in an insurance policy.

Best thing to do is to check with your agent about various scenarios and see what is covered.

For example - floods, hurricanes, tornado's, sink holes are usually not covered unless you request an add on to your current policy. As well as items such as Guns and Jewelry are also not even covered and must be included in a attachment type policy through your home owners insurance.

no, you should have boat insurance separately

Each insurance company is different and its possible they do. Call your agent or broker to get a better answer.

It depends on your policy form. Homeowners policies come in the following policy forms: HO-1, HO-2, HO-3, HO-4, HO-5, HO-6, HO-8, HO-10. Then there are also endorsements to add or delete coverage from your policy. If you tell me what basic form you are refering to then I can tell you the Section One coverages.

Call your city hall or fire department and they will know what the protection class is for your city. If you are within 1000 feet of a fire hydrant and within 5 miles of the fire department you get the city class. If you are over 1000 feet from a hydrant but withing 5 miles of a fire department you are class 9. If you are over 5 miles from a fire department then you are a class 10.

Renewal of an insurance policy is almost automatic as long as you pay the premium before the policy expires. The renewal of an insurance policy doesn't have a grace period like a normal payment does so your coverage ceases on the expiration date and the company is not required to send you a cancellation notice. They will send you the renewal and anything beyond that is up to the company. If you make a habit of paying late they will just not reinstate after the expiration date.

This will depend in part on what the claim is for. If it was a reimbursement of previously paid expenses, then you have already "spent" the money. If it is pre-payment for services, you will need to spend the money on the services specified. If it was a claim settlement for damages or lost property, the insurance company doesn't care what you spend it on, whether it is replacement of your valuables or something else entirely.

Yes, if the circumstances are right. You can have a secondary home such as a lake house or vacation home and as long as it is listed as a secondary home and used as such. You can't have a homeowners policy on a house that you rent to someone or have someone else living in it even if you don't receive rent. There are correct policies for every situation. Be honest with you agent and let them advise you as to the correct policy for the usage. It's much better to be honest than to lie and have any claim denied. If you are not truthful then you have broken the contract. Also you need to be aware of some of the provisions of the policy. If you move out of your home the coverage ceases 90 days after you move even if you keep paying the premium for years. Be careful and keep your agent informed of any change in the situation just like you would tell them if you traded cars.

Sorry but no. Automobiles are specifically excluded by a homeowners policy. The only four wheel vehicle is a lawn mower used exclusively for maintenance of the property.

Usually not. Destruction by vermin (which raccoons would likely be classified as) is typically excluded from a standard homeowners policy.

It depends on what happened to the hearing aid. Homeowners insurance typically covers loss from such things as Fire, Wind, Hail, theft, etc.

So it just depends on what happened to the hearing aid.

Oh, and subject to your deductible.

You will have to call a big insurance company like state farm, or all state and let them know you have a rental property and indicate how many tenants, its no so much room to room as a broad coverage for the entire home. Now if your asking as a renter? then just call an insurance company and let them know you need a tenants policy and indicate how much contents you have for instance $50,000 worth of coverage would be good.

90 days

When you sign all the documents relating to mortgaging a home part of the contract has you agreeing to provide and maintain a physical damage policy on the property being mortgaged. When you let your insurance cancel or not provide a copy of said insurance to the mortgagee you are in violation of the contract. This gives the mortgagee the right to forclose on the home and/or force placing coverage on the home which only covers the mortgagee interest.

Not Necessarily no. If your spouse is not listed on the policy then it may be a matter of state law.

Your Should contact your insurer and make sure your spouse is listed as a named insured on your policy if you want coverage extended to your Spouse. This will insure your spouse is covered and avoid ambiguity in the event of a covered loss. It also allows your spouse to discuss details of the policy coverage, request copies, make payment arrangements and resolve other billing issues if needed.

Technically your insurance policy is specific to the named insured(s) listed on the policy. By Law your Insurer may not discuss your policy with nor extend coverage with persons who you did not name as an insured on your policy.

If you are married and your insurer does not know this, then they would not assume that you are married nor would they assume that you intended your spouse to be covered.

You may very well have excluded your spouse from coverage intentionally due to divorce, separation or other estrangement.

No. Skylights would not effect the cost of homeowners insurance.

It depends on your policy terms and the state you live in. Each state has different regulations. The easiest way is to call the insurance company claims department and ask them. Plus how long is a "Few" years?

I think the Aegon Religare is best insurance company to secure your family. It having many more life insurancepolicy plans with low paper work and with expert advice.

You do not have to accept what the insurance company offers if you are willing to hire a lawyer to take them to court, but that remedy may prove to be more expensive than the potential gain in your settlement. Lawyers charge a lot.

I cannot think of any covered cause that would cause the collapsing of a well. Damage must be due to a covered cause.