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Homeowner's Insurance
Homeowner's insurance is a kind of property insurance, which offers both property and liability coverage. Here, a single premium covers all risks. It applies to private homes and requires that at least one of the insured occupies the home.
3,367 Questions
Yes, it's even possible to get severly ill from certain types mold. Yes, cats can get sick from mold exposure. My cat lost 40% of her fur and coughed up hairballs everyday until we figured out that we had a mold problem. Yes they can, and from any fungi growing as one of my cats eat a mushroom that grew up from under the floor, and she had bad diarrhea, and lost weight I thought I was going to loose her but with good care she pulled through and put on weight after 3 weeks
Do pit bulls increase your insurance?
Home Insurance and Pit Bulls
The question should not be - will it go up? The question should be, will they insure you "AT ALL" any more? Most insurers these day avoid providing all risk home insurance coverage for owners of certain dog breed types.
Many Home Insurance Companies nowadays automatically exclude coverage for injuries or damages related to pets, especially certain dog breeds.
There are many pet owners out there who are confident that their pit bull would never injure a person. However, the statistics prove that they will. It's not the dogs fault, it was bred in and is simply endemic to the breed.
From an insurance companies point of view, it could be a pretty big liability to them and that is understandable, BUT I think they should at least do some sort of checking into it, like weather the dog has bitten anyone in the past or things like that, instead of just dropping it like a hot brick!
However, to clarify, almost all major insurance carriers reserve the right to withhold payment on any animal attack claim for the insured homeowner if the animal involved was either a pit-bull or one of the other 9 dog breeds on the standard list of breeds listed because of number of attacks on humans or other animals. This said, the owner will still be held liable and civil action in such suits can incur the sale of property to satisfy the claim awarded by the court. This is something to consider since many claims against pet owners after an attack may reach a sum of tens of thousands and perhaps hundreds of thousands of dollars. Or more.
Most insurance companies will ask, but never actually check.
Nationwide will insure your home if your pit-bull has passed the Canine Good Citizen program.
However, a standard waiver form may still be required which will release the insurance company from claims concerning animal or human attacks. In addition, since you have indicated to the agent that you do own such an animal, the insurance company can use that to cancel you at any time and to withhold claim payment for any animal attack issue.
Actually insurance companies always inspect a dwelling upon a new policy being written. You may not be aware of the inspection. Nationwide contracts out inspectors to inspect new insured dwellings and most times will preform inspections prior to renewal.
Note: You should always be up front and NEVER knowingly provide false or misleading information when it comes to an insurance contract. You are paying premiums for protection in the event of a loss. You don't want to jeopardize a claim with a misrepresentation. And no, Nationwide will not write a homeowners policy if you have a pit bull.
Will home insurance cover dog damage in home?
Yes. I used to work for an Insurance company in the claims department. It will be covered under the section "personal property" of your Homeowners policy. You will however have to pay your deductible. If the deductible exceeds the amount to replace the item, the company will not pay. If it costs more then your deductible to replace it, then the company should issue a check for the remaining amount. So if it costs $2000 and you have a $500 deductible, you should get $1500.
Does homeowners insurance cover wood damage and chewed wires caused by squirrels?
Yes, Careful when you place a claim tho. Too many and they can cancel your insurance and it makes it hard to get coverage in the future. When a squirrel fell into a plumbing vent and clogged my vertical waste pipe, State Farm said damage from vermin is not covered and sqirrels are vermin.
Does homeowners insurance cover pets for injury?
If the damage is to someone else's property, maybe, depending on whether you have liability coverage and that you do not have an animal exclusion on your policy.
Did your dog get loose from the house or yard? Was the property that was damaged at your own house? There is not enough information here to give a good answer.
Can you sue homeowners insurance for pitbull attack?
As a responsible owner, you should always assume that everyone is looking for a reason to sue you. And people can and will sue you for ANY reason under ANY circumstance. That does not mean they will win, but you don't want the hassle. Always crate your dog, whether pit or any other breed, when new people enter your house. An ounce of prevention.................
Does my homeowners insurance cover a neighbors dog attacking my dog?
Not usually. The neighbor's homeowners insurance would cover it underneath their liability insurance.
How can i tell if it my coat is sable or mink?
A mink coat will normally cost $3000 to $15,000. There are American and European minks.
A sable coat will cost much more, typically $30,000 on up to around $300,000 +.
The sable is the most valued and rare of all furs. It is native to Russia and the most valuable fur is that of the winter coat when the fur is darker and longer.
Sable fur is unique among furbearers because it retains its smoothness no matter in which direction it is stroked. The fur of other furbearers on the other hand will give an impression of roughness when stroked in the opposite direction of the grain.
Only extremely wealthy people or some world stars like Madonna have sable on their shoulders. Only top designers like Chanel or Ferre dare to use it in their collections. Generally, sable is combined with high quality fabrics and used for small pieces giving an aristocratic look, such as stoles or for trimming.
Does homeowners insurance pay for bee removal?
Not likely. Under not covered items the section reads; Nesting of infestation, of discharge or release of waste products or secretions, by insects, birds, rodents or other animals.
This is from American Hallmark but I'm guessing is pretty standard language.
Will homeowners liability cover wood damage from termites powder post beetles or other bugs?
If your a Pest exterminator by trade then you may look to a Commercial General Liability policy that will offer you liability coverage for the work or service you perform on premises and completed operations coverage for after the job is done.
Pest ExclusionsUnder Section I - Exclusions of your policy, it will explain that there is no coverage for damage due to rats, mice, termites, moths, or other insects (language varies by state), but there IS coverage for ensuing loss due to collapse of the building or any part of the building. Exterminators LiabilityThe only liability for damage due to termites would be found in a warranty policy from a pest-treatment company who has a contract to treat your home at regular intervals and guarantees their work.It depends on the language of your policy. If you have an HO-3 policy the leak should be covered under the policy. Some policies exclude water damage so you should have your agent review your policy for you before calling your insurance company.
How much does food cost yearly?
a lot try looking it up on a different wed site if nobody answers on this one
Does homeowner insurance cover kitchen cabinets falling off the wall?
Homeowners insurance would cover repairs for the cabinets if they fell off the wall as a result of a covered peril on your policy such as Fire, wind, hail, etc.
If your cabinets fell off the wall because they were poorly installed or just old, then no, that would be a home maintenance issue.
Is food loss covered in power outage?
No, Homeowners insurance does not cover spoilage due to utility failures.
Does your home insurance increase if you claim a kitchen fire?
Depends. If you have a spotless record, more than likely you will have the credits (discounts) from your policy removed. The policy doesn't really go up, you just loose your "Percentage Off the Retail".
Don't be fooled-- in other words, "yes." If you're used to paying [x], and now you're paying [x+100], then YES you're paying more. Credits are the agents' ways of giving you a discount for good behavior, but they do not continue giving those credits when you have an accident.
Does insurance cover smoke damage?
If it is the result of a fire, the homeowners insurance should definitely cover it. But if it is something like a fire in a chimney flue, maybe not. That is considered routine maintenance. If it isn't done a claim might not be valid. Perhaps you can find some information in your homeowners policy or contact your insurance provider.
If it's the result of a smoker living in the home, meaning you have nicotine and smoke stains from cigarette smoking, then no, that would not be covered.
It should be covered, no problem. There are many companies out there who specialize in taking care of smoke damage to furniture, clothing, etc.
If the smoke damage is from something sudden and accidental then yes it should be covered. If it's from cigarettes then no, it's not covered.
Does homeowners insruance pay for loss of frozen food?
No, homeowners insurance does not cover food losses due to the failure or outage of a public utility conveyance.
All home insurance policies specifically exclude conveyance related damages
How do you calculate burning costs for fleet insurance?
Total amount of claims paid/outstanding x number of vehicles on policy.
vehicle years
Normally done on a three year claims experience rather than one year to give a true reflection of how the fleet is running.
Has anyone heard of the Crane toilet tank breaking problem?
Yes. My parents had 2 out of the 3 Crane toilet tanks in our house break. One broke while we were gone for the weekend and it flooded our house because it kept trying to refill itself.
Crane recognized that there's a defect in the tanks from toilets from the mid 80s. However, they never did a recall on them. Instead they wait until the tank breaks and they'll replace the tank if you contact them.
What is a Average price of a slab leak repair?
Slab leaks can vary wildly in cost, from less than a thousand to more than two thousand depending on your specific circumstances, where the leak is located under the slab, what it will take to access the leak, and where you live in the country.
What plumbing does landlord insurance cover?
Insurance companies do not cover plumbing pipes, most insurances will only cover geysers as far as geyers are concerned
Does homeowners insurance cover a hearing aid destroyed in a garbage disposal by accident?
Sorry but the loss of a hearing aid or any other item would not be covered unless specifically scheduled on an inland marine floater attached to the HO policy. Any claim must be due to a "covered cause" which includes items such as fire, windstorm, lightning, and many more. They also have to be sudden and accidental. Misplacing is not a covered cause.
They take pictures of your house and it's additional structures along with entertainments such as a pool, jungle gym, trampoline, etc.. If you have animals on the premises they will usually take pics of them too.
They basically just wanna see that the home is occupied and note any hazards on the property.
Does homeowner insurance cover loss from electrical surge?
It will if you can find some damage to what ever it is that no longer works. If you can show the adjuster any fried wiring (even if your not sure and it might look singed) let them make that decision. Technically, fried wiring is fire and is a covered peril in all policies. Some companies like Universal Insurance will look for ways to get out from these types of claims, so whatch out and read the policy carefully. They may use excuses like, "the surge most originate within the home" or other fine print to suggest that the coverage is provided but have enought to deny a claim when it does arrive.
Is damage to a laptop computer covered by homeowners insurance?
If the laptop is scheduled property on your homeowners policy it will naturally be covered. If you do not have scheduled contents coverage then there may be no coverage for it. A quick call to your insurance agent could get you the answer.
AnswerIf the laptop is used for business purposes, there may be exclusions or limitations under your policy. Also, it must be damage by a "covered cause of loss" as described in your policy. If it is not used in business and was damaged by a covered cause as described in your policy, then coverage would likely be afforded as personal property, subject to your policy deductible and depreciation if you do not have "personal property replacement cost coverage."
