Homeowner's Insurance

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.

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.

No. Fraud is not a covered peril under your home insurance policy. However, Many Home insurance policies do have coverage for certain kinds of theft.

Call your fire department, city hall, or insurance agent.

What your home is insured for is not based on the resale value but it is based on the Replacement Cost Value or RCV. The RCV is determined by how much it would cost to demolish your home and rebuild it exactly as it stands. In todays real estate market many people get confused with this concept as they could by their home for a fraction of what it is insured for. If you want to check and make sure you are insured for the proper value you can always ask a local contractor for a cost per square foot to build a home like yours, this will give you a rough estimate.

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.

In the United States, No one is liable for a natural occurrence.

The vehicle owners comprehensive insurance would pay for damages resulting from a tree falling on the vehicle. If no comprehensive insurance is in place then their would be no coverage and the vehicle owner would be left to pay out of their own pocket.

Yes it is

No. They must purchase their own renter's insurance. The homeowners policy for a rental only covers the physical property.

No, a Lien holders "Single Interest" insurance policy, only covers the lien holders interest in the property, not the interest of the previous owner or foreclosed buyer.

When a lien holder places it's own policy on a foreclosed or otherwise uninsured home it means that the buyer chose not to have insurance. The Lien Holder has placed the coverage to protect it's own interest. This type of policy is also referred to as "Single Interest Policy".

Adding onto the home will not make you rate increase by itself. However, you probably will have to increase the amount of coverage you have to reflect the increase in replacement cost. I would suggest that you contact your insurance agent and explain that you have added onto the home and ask them to see if you have enough coverage. If you do not have coverage equal to a certain percentage of the replacement cost you can be penalized on any claim in the future. This depends on what type of homeowner's policy you have and how much coverage you have. This is not something you want to find out after a kitchen fire.

You should ask your BK attorney, however you cannot conceal those funds and yes, that would be assets considered in the BK to pay creditors. If you say nothing about it, they could go after you for bankruptcy fraud.

Just contact some Insurance Companies of your choice that you are interested in doing business with. You will generally be contacting the agents marketing department for the company. Ask them about an agents appointment. The Insurance Company provides the underwriting services for their appointed agents.

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There is not a grace period for placing a home insurance claim in the United States.

All home insurance policies require in various policy language that a home owner report a covered loss as soon as practically possible and that the home owner take any necessary mitigating action to limit further damages from a covered loss.

Each U.S. state also has it's own regulations that indicate how long after a loss an insured may report a claim or a covered loss to the insurance company. In the United states this is generally 1 to 2 years from the date of loss. It just depends on your states regulations.

The best source for information will be your insurer or your insurance agent. They can usually review your coverage and it's limitations with you over the phone.

No. The deductible only applies to them fixing their own house.

This is likely a maintenance issue and not a covered cause related loss. I can't see how a drain field could be caused by a fire, lightning, windstorm, or any covered cause.

no

Yes, but you would have to pay what your homeowners deductible.

No, unfortunately pre existing problems such as mold would not be covered.

You would need to check with your insurance company to see if your have coverage for conveyances and what specific perils are covered, typically, fire, wind hail etc.

Most Insurers would consider this a home maintenance issue and would not cover it.

It meams that there are two separate living units. Instead of side my side with each on a foundation, the uper unit is totally above the lower unit, and does not touch the ground or foundation. It can be that each unit has one level, making a total of two stories, or each can have multiple levels. It can be classed as a duplex, condo or PUD

If both properties are insured under the same policy, Yes.

If each property is insured separately under a different policy then you will need to contact the insurer of the pertinent property to address liability coverage issues.

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.

If the furnace was damaged by a covered peril, typically fire, wind hail, lightning etc., it would be covered subject to your deductible and other terms of your policy such as possible depreciation.

If the furnace is just old and defective due to normal wear and tear then t is not covered. It would be a homeowners normal and expected maintenance responsibility.

Typically no. Condos present a very different risk to insurers than a single family home. policies issued for condo owners generally cover only the interior portions of the unit. Sometimes referred to as "Wall to Wall" coverage or "Sheet Rock to Sheet Rock". Anything inside the walls is usually not covered.

Plumbing leaks in Condos are usually covered under the Condo Associations master risk policy for shared structure and conveyances.