Depends on your insurance contract. Some companies would cover that incident, some wouldn't.
It depends on why your being sued. If your homeowners insurance covers the act that caused the suit, then you should have legal defense costs coverage if you purchased liability insurance with your homeowners insurance policy. If you did not purchase liability coverage then your insurance company will not defend you.
No. Your friend is most likely not a named insured on your homeowners insurance policy. Your homeowners insurance policy is specific to you and your property. It would also not cover the losses of a tenant.
No, that's what pet insurance is for. you can however sue the attacker.
There are some advantages in purchasing homeowners insurance online. This would include being able to compare prices instantly with other insurance companies, rather than waiting for a call back from a broker.
Not likely. Never heard of someones garden being covered under a homeowners insurance policy but. To be sure though you might want to review your policy schedule of coverages or ask your Insurance Agent.
Yep, keep looking.
Your homeowners insurance is not effected by your house being for sale...unless it is vacant. 4lifeguild
Homeowners insurance covers all your personal property with some limitations. The key to the damage being covered is what is the cause of the damage in the first place. Homeowners insurance does not cover maintenance or intentional act but covers most sudden and accidental events.
I cannot think of any cause for a sewer line damage being caused by something that would be covered by a homeowners policy. It is probably maintenance and not an issue for your home insurance.
Most often by being unoccupied for 30 days. But you should refer to your Homeowners Insurance policy as this may very by company and or by state.
it should reduce the premium if you submit a document stating it is being monitored by an agency
Personal lines insurance typically does not include coverage for homeowners' associations. Homeowners' associations typically have their own insurance policies to cover their common areas and buildings. Individual homeowners may choose to purchase personal lines insurance to cover their own property within the homeowners' association.