yes it does. HO 5 the special form
no
All homeowners policies cover damage caused by lightning.
Yes, but you would have to pay what your homeowners deductible.
No. This is not a covered cause under a homeowners policy. This is something that was caused by the homeowners neglect which is not covered under the terms of the policy.
Typically, standard homeowners insurance policies do not cover damage to a foundation caused by earthquakes. You would need to purchase a separate earthquake insurance policy or rider to have coverage for this type of damage.
Yes, Homeowners insurance typically does provide coverage for losses that result from an accidental fire.
Of course not. Scabies is a skin condition caused by a type of mite. There is not way that this would be covered under a homeowners insurance policy
Accidental, Yes. Intentional, No
Homeowners insurance covers what is inside the home. Check your auto insurance for auto damages.
Homeowners policies typically do not provide coverage for damages or losses caused by floods, earthquakes, and normal wear and tear.
Yes, they are through their homeowners policy.
No, this is considered normal wear and tear.