there are many variables here.. speaking for 'most' states...homeowners policys have two different areas (that are common, additional coverages can of course be purchased) that medical bills can be paid from...one coverage is 'medical payments' this pays medical bills, rx, bandages etc. for anyone (not excluded, or not an excluded act) on your property that gets injured regardless of and without negliegence on the part of the insured, just on your property when hurt...(that is important)..there is also liablity coverage that covers ONLYthings that the insured is liable for or thru some negligence of the insured........ you don't say if you were there if you gave permission for the child to ride and so on, so i will assume that you don't feel any negligence on the part of the insured property owner (if different let me know and i will attempt to assist but need more details). so unless an exclusion applies then the med pay should cover up to that limit, (which incidently is typcially low 1-5k (liability much much higher in 100k range). now who (which ins company) is repsonsible also a state/policy thing, in some states you are allowed to 'double dip' meaning you can collect both, but more than likely your health ins will have a 'subrogation clause' ... were i you i would use my health ins. let them subrogate for what they pay and also would file a claim for the med pay myself to cover any co-pay or deductible, again if there is negli. on the insured's part would also be a liablity claim involve, the insurance company will immediately investigate to determine if any negli. on the part of their insured so they will let you know there stance on that. (accept or deny liability regarding this accident and injury to your son), whom by the way i hope is ok.........lori
Yes. Homeowners policies provide coverage for theft or any other covered cause such as fire, tornado, etc. when the property is located off premises. The amount of coverage is generally 10% of coverage C (Contents) for property located off premises. This covers property at a friends house, in a hotel on vacation, in your child's dorm room at college, and just about anywhere else. Homeowners policies is probably the best value there is in insurance due to the amount of coverages it provides for the low premiums.
Domestic animals are not covered under the homeowners policy. As it pertains to a liability situation, a dog would be considered 'property' and the homeowners "damage to property of others" provision in the liability section of the policy applies but only if you were the one who injured the dog, usually with a limit such as $500.
no your uninsured motorist will though. your deductable will be lower, and making too many claims on homeowners will likely caused them to be dropped by the company. i once heard you can only make a claim on homeowners once every 3 years but i don't know if that's true.
It does not matter who the tree belongs too because neither one is liable for the damage to your car. A property owner is not liable for an act of nature and homeowners insurance does not cover automobiles. Your comprehensive auto insurance will cover your vehicle for damage from an act of nature.
Yes. If you caused damage to somebody's property you are responsible. The definition of insurance is a transfer of risk. If your friend had insurance on the car then the risk would have been transferred from you to the insurance company, but would still make you at fault.
Your homeowners insurance will cover your garage door subject to your deductible since it is part of your house. Your Home insurance does not cover damage to a vehicle though. That's what Auto insurance is for. Your friend will need to contact his auto insurance to fix his vehicle.
Stolen Laptops and Home InsuranceNo, homeowners Insurance only covers theft of the Named Insured's property, not the property of others. Refer to the "Personal Property" coverage section of the policy.More sSome policies may allow a homeowner to elect coverage for the property of others while it is on the residence premises. If the laptop is the only item stolen, the policy deductible will apply.On theft claims, the company will be looking to see that a police report of the break-in has been filed. In addition, your friend's claims experience with his insurance company can be negatively affected resulting in increased premiums. The insurance company could non-renew his policy if he has several claims of this type.
If YOUR belongings were in the friend's car and they were stolen, they are covered on YOUR homeowners or renters policy. If your friend's belongings were stolen from a car, HIS or HER homeowners/renters policy would pay.
the owner of the car as in you not your friends sorry
There are a substantial amount of business that offer homeowners insurance in your area so without the specific name of yours I am unable to find out where you should go to get your policy number. If you are looking to find your existing insurance information then you should conduct a search on the internet using the insurance company name and city which should bring it up. If you are looking for new insurance company you could contact Allstate which has a very good reputation @ 345 South Coast Highway 101 in Encinitas @ (760) 479-1370
Neither homeowner's insurance will probably cover property stolen from a car. Homeowner's insurance usually only covers stuff stolen from your home. However, the automobile insurance policy might cover it.
Property Owners insurance is an important thing to have when owning property. To find information about different insurances, one can watch tv, look in a phone book, browse the internet or ask friends or family. Insurance companies always advertise and if they are a great company, word of mouth spreads quickly.