Homeowner's Insurance

Your applicable deductibles are listed in your Insurance Policy. If you have difficulty reading your policy just contact your insurance agent for clarification.

All Policies are not the same so it just depends on the coverages and deductibles you requested when you purchased your insurance.

This sentance refers to the type of damage the insurance will cover. Direct loss is a tree hitting a house, or a fire happing in a kitchen. an Indirect loss would be if the fire department made you leave the home becasue there is a forest fire coming and they are evacuating all the residents. Although most insurance companies have a coverage in there policy to cover that as well that is a good example of an indirect loss.

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.

90 days

Heat from a fire or an explosion yes. Heat from "weather conditions" no. Damage from "weather conditions" are specifically excluded.

No. The medical payments to others coverage specifically excludes medical coverage for the named insureds and any houshold members. Health insurance is the only coverage that will cover this type of loss.

No.

No. This will have nothing to do with the price of the homeowners insurance.

Not legally no. Since it's a two party check, both recipients are required to sign off before cashing the check

Yes but ur commit would have to do it or if he was told and damage happened to your property they are at fault but u have to have proof of his knowledge that the tree was rotten. Or over grown

If you hit another person who is not one of the named insured or a household member then it may pay for the medical bill up to the limit of the policy. The limit of medical payments to others is usually from $1000 to $5000 and will be listed on your declarations page.

This will be up to the adjuster. Sometimes they will allow you to do this if you are qualified to do so and you agree to the estimate that the adjuster comes up with.

No, Power surges and other utility provider related damages or outages are not a covered peril under the terms of your home insurance policy

The liability portion of your homeowners insurance policy will cover costs of legal defense, (attorneys fees) and resulting judgements if you are found liable for accidental injury to another while they are in your home or on your property. It will not cover intentional injury though.

No, Your home insurance policy will not cover normal and expected damages that result from our choice of pet.

Your HVAC is covered under your homeowners insurance for the same perils as your home, such as Wind, Hail, Fire lightning etc and subject to the applicable deductibles.

See your Home insurance policy for schedule of covered perils.

you get the insurance info. and have them look at the damange. make shoure you have a police report.

No. Your Homeowners insurance is "Property" insurance. It covers property damages caused by certain covered Perils such as Fire, Wind, Hail, Lightning, Fire etc.

You will not find coverage on your Home Insurance Policy for death or related expenses.

Most likely No. Homeowners insurance is also known as "Hazard Insurance" and "Catastrophe Insurance". So it really just depends on why your Deck Posts are sagging.

Covered losses are typically things like Fire, Wind, Hail, lightning etc. Homeowners Insurance does not cover normal wear. Decks are very susceptible to normal wear and tear as they are most often exposed to the elements 24/7 and require replacement quite often.

Maintenance, upkeep and even frequent replacement of Decks and deck components are considered part of the home owners normal and expected maintenance routine incidental to home ownership and are not hazard losses.

Best of luck.

No. You will have to cancel you policy and the new owner will have to apply for a new policy. The homeowner's policy is partly based on the home and partly on the person so the new owner will be underwritten as well as the property.

Of course not. You can only be reimbursed for the repair of the damaged area. If the siding does not match due to fading or such perhaps the adjuster can work out replacment to a corner or something. You can't get something for nothing.

Bacon.