Homeowner's Insurance

In general, yes, but the mechanics of it depend upon the underwriting guidelines of the insurer. By that I mean the circumstances and terms under which the company will accept the risk of loss. Many insurers are concerned that the risk of loss will increase if the property is uninhabited, as there will be no one present to take care of it. That may be the case if the property is embroiled in a probate proceeding.

That said, the insurer may still insure it if certain conditions are met which will vary with the insurer.

The answer is both yes and no.

The insurer must designate a claims adjuster and attempt to make you a good faith settlement offer within 60 to 90 days in most U.S. states after receiving notice of your loss. Check your local statutes for your state.

Having made a reasonable offer, or otherwise documenting its inability to do so if such is the case, the company has met it's legal obligation in that respect. There are times when some possible claimants can not be located or identified. It's up to the claimant to let his loss be known and to accept an offer or reject it for further consideration.

Rejection of the companies offer does not constitute a breach of law or faith on the part of the insurer.

Yes, Your Homeowners Insurance Policy can provide for Legal Defense costs in certain types of legal actions that seek liability claims against the insured. especially if a suit has arisen out of home ownership.

Contact your Insurance Agent if you have one, otherwise the company 800 number and enquire. A description and a little detail could quickly allow your insurer to advise of available coverage under your policy.

Additional Coverage exceeding and supplementing to your Auto and Home Insurance may also be available to you if you have a Personal Umbrella Policy in Place.

It does not matter what state your in. No one is liable for an act of nature.

Your neighbor is responsible for the portion on their property and you are responsible for the portion on your own property.

Homeowners insurance typically does not cover damage or liability resulting from illegal activities, such as building a deck that does not meet building code. If a claim arises due to an issue with an illegally built deck, the insurance company may deny coverage or cancel the policy. It's important to ensure that any modifications or additions to your property comply with local building codes to avoid issues with insurance coverage.

No, the broad evidence rule is not applicable in Mississippi. Mississippi follows the traditional parole evidence rule, which limits the use of extrinsic evidence to interpret or contradict a written contract that appears to be whole and unambiguous.

In Indiana, the statute of limitations for filing a claim related to homeowners insurance is typically two years from the date of loss or damage. It is important to review your specific policy and consult with an attorney for accurate information regarding any legal time limits that may apply to your situation.

Concurrent causation" is a "theory adopted by some courts which holds that if a given loss has more than one cause, and at least one of the causes is covered by the policy, the loss is covered even if the policy specifically excludes another cause of the loss" (Glossary of Insurance and Risk Management Terms, 8th ed., Dallas, TX: International Risk Management Institute, Inc., 2001).

Homeowners insurance typically does not cover foundation repair due to normal wear and tear or aging. Coverage may be available for sudden and accidental damage, such as from a burst pipe or a fallen tree. It's important to review your policy and consult with your insurance provider to understand the specific coverage and exclusions related to foundation issues.

If the deck has not been maintained and falls apart the homeowner has to pay to get it fixed or replaced. Insurance does not typically cover such items unless the damage was a result of fire or flooding or some such catastrophe.

Entitlement programs in the United States include Social Security, Medicare, Medicaid, and food assistance programs like SNAP. These programs provide benefits to eligible individuals based on their specific circumstances or needs, rather than being subject to discretionary funding decisions by the government.

Generally no, barring some negligence or collusion, with the crminal, we are not responsible for acts of others, but there may be coverage for damages to the property under the homeowners insurance policy. The criminal who committed the crime would be the party responsible for their own acts.

If you are the homeowner, and your property was damaged in the crime, then you will most likely have coverage for your losses under the property portion of your homeowners insurance policy.

The liability portion of your home insurance would offer coverage for legal defense costs as well as any award for accidental damages or injuries for which the property owner (named insured) is found legally liable. Criminal acts of the insured is always excluded from coverage.

Imagine this scenario, You have guests over for the week in your home. A Robber breaks into your house (your property) while you are at work, This robber then shoots and kills one guest in your home and assaults another guest. Do you think you, as the homeowner, should be held liable or responsible for that acts of a guy who illegally broke into your home and beat and murdered your guests simply because you own the property? Barring some negligence or facilitation of the crime, of course not.

Here's another scenario, Someone carjacks you at gun point, they steal your car (your property), then use your car to rob a bank, As the carjacker/bank robber/murderer is hurriedly leaving the bank in your vehicle, they run over and kill two people and seriously injure three others. Should you, as the vehicle owner, be held responsible for 2 deaths, a bank robbery and injury to 3 people simply because it was your property that was used to do all this? Of course not. Barring negligence issues, neither you nor your Auto Insurance carrier would be liable or responsible for the acts of the thief who stole your car.

There is not information in your question to give a comprehensive answer.

But, it just depends on what scope of coverage you purchased and on the nature of your theft claim. For example, Theft by a resident of the home would not be covered. Thefts are required to be reported to the Police to be eligible for coverage.

When you purchased your insurance policy you selected those coverage you wanted. If you just chose the cheapest policy you could find without looking at the details, then you may need to speak with your Insurance Agent about upgrading your coverage.

No. Homeowners insurance is "Property" coverage. Murder is a criminal offense and is not a covered peril under a home's property hazard insurance policy. Homeowners insurance does not provide liability coverage for criminal acts nor is it a replacement for a life or death insurance policy.

Homeowners insurance typically covers property damage and liability claims, but it does not typically cover criminal acts such as murder. In cases of murder, homeowners insurance would not typically come into play. It's best to consult with your insurance provider for specific details about coverage scenarios.

While coverage may vary by company, some insurance companies that may provide coverage for homeowners with a felony on their record include State Farm, Allstate, and Farmers Insurance. It's advisable to contact these companies directly to inquire about their specific policies and eligibility criteria.

No, homeowner insurance typically does not cover intentional criminal acts such as criminal mischief by the policyholder. The insurance policy is meant to provide coverage for accidental or unexpected events, not deliberate acts of vandalism or wrongdoing.

A single claim for burglary is not likely to increase your premium at all

However, if you have had multiple burglary claims and have taken no measures to secure against future break in, then Yes, you can expect your rates to increase at your next renewal date or your policy could be cancelled due to a lack of homeowner moral or due to an increase in risk factors.

Generally, a homeowner's policy does cover losses of a limited amount of cash. The precise amount will be stated in the policy. The loss will be covered if the cause thereof was the result of an occurrence which is specified in the policy.

Note, though, that there are some homeowner's policy forms that cover structural damage only. For the most part, they are policies issued by state-run entities that insure people who cannut obrain insurance in the private market. Such policies are also issued as "force-placed" policies by lenders that have not received proof of insurance from the borrower. They are placed on the property to protect the lender's interest in the property.

It typically depends on the proximate cause. If the fire started because a person lit it intentionally I would say it would fall within vandalism and malicious mischief. If it started on it own it would be covered under the fire peril. Unfortunately most policies exclude VMM coverage if the home has been vacant or unoccupied for a certain period of time.

Yes, you may feel guilty for helping your neighbor break into their own house, as it can be seen as aiding in an illegal activity. It is important to consider the legal and ethical implications of your actions before assisting others in such situations.

Homeowners insurance usually covers personal possessions that are stolen during a robbery both in and outside the home, including on the street. However, coverage limits may apply, so it's best to review your policy or consult with your insurance provider to understand the specifics of your coverage.