Also a skunk odor is a temporary odor that will dissipate usually in a few days or a week or two at most. It may be a nuisance but it is not a covered peril under the terms of a homeowners insurance policy.
If you want to get rid of the odor a little faster just throw some Tomato Juice around wherever you think the skunk sprayed. It should accelerate the dissipation of the odor. It would not make since for an insurance company to spend thousands of dollars in claims adjustment time just to send someone to your home to spray around with a 5 dollar bottle of tomato juice.
If you insist they do this then they will probably cancel or non-renew your home insurance policy due to a nuisance claim.
AnswerWell, a skunk sprayed in my house! And I do believe it should be covered under the vandalism clause.As of now they are saying no but have yet to respond to me regarding it being covered under the vandalism clause
AnswerThe only way would be if someone purposely put a skunk in your home knowing it would spray.No, homeowner's insurance only overs damages on the house.
Your Auto Liability Insurance will offer coverages for damages resulting from automobile ownership. Homeowners Insurance does not cover autos or auto accidents.
Most home insurance policies do not cover normal and expected ground settling. However, you can check your policy or telephone your insurance agent and find out if you have coverage for ground movement.
Homeowners insurance covers the house itself should it be damaged. Many of the policies include liability insurance so that if anyone is injured there you have protection. There are some types of mortgage insurance that cover the remaining mortgage should the owner die. But, if the lender does not require it due to a low down payment, one would have to specifically buy that.
I don't think so. Stolen jewelry may not be stolen from someone who broke into your house, it may be your child or teenager.
You can obtain renters insurance that would cover damage to the contents. The homeowner should already have hazard insurance, so there is not any point in your trying to purchase that.
Yes
The other person's insurance will have to cover their OWN damage. If a tree in your yard falls onto your neighbor's house, the neighbor has to use their own insurance. So it works the same for your case. Your insurance will cover your damages and the nieghbor's insurance will cover their own ceiling.
That is not necessarily true. That is, if an uninsured vehicle runs into your house and causes damage to the house, your own homeowner's policy will generally pay for the repairs to the house. Naturally, payment will be subject to the terms, conditions and limitations of the policy. Further, the amount recoverable will be limited to the total amount payable under the homeowner's policy. If, instead, what you are asking is whether homeowner's insurance will cover damage to a vehicle, the answer is no. They are 2 different types of insurance covering 2 different kinds of risks. Premiums (the amount paid by the person insured) are determined by the nature of the risk(s) insured, the persons or entities insured, and the activities insured. Those factors differ between auto insurance and homeowner's insurance, so a total premium cannot be melded.
That's what medical Insurance is for. It does not matter whether the house has insurance or not, unless your blaming the homeowner as the at fault party who caused your fall.
If there was something wrong with your house that caused an injury to someone in your house, then it may.
No, Not to the homeowner, because the bank or morgtage company actually owns the house even if it was not in forclosure. Read your morgtage and insurance paperwork, you do not own it at all until it is paid in full.