As a licensed insurance agent, I would say that in most cases this would be covered under suffocation, provided the infant has his/her own policy or is included on the parents existing policy under a family plan or a primary/child policy. Of course with all policy's you should check the fine print to make sure.
Yes, Homeowners insurance provides coverage for sudden accidental losses as defined under the policy schedule of covered perils.
Auto insurance only covers sudden and accidental damages to your vehicle. Wear and tear would not be considered sudden and accidental. Though with all things insurance, it is always best to speak with your insurance company directly to find out if a certain item is covered or not.
homeowners insurance or renters insurance
It won't. Homeowners insurance is protection from sudden accidental losses, it does cover association dues.
Hurrican damage is covered. Anything direct, sudden, and accidental is covered.
No - insurance is for sudden and accidental damage. Routine repairs are considered maintenance and maintenance is not covered under any insurance policy.
Sudden infant death syndrome (SIDS)
Comprehensive coverage and coverage for any accessories attached to the trailer are included in travel trailer insurance. Comprehensive coverage includes sudden and accidental losses.
No. Home insurance is meant to cover losses that are sudden and accidental. A water line break is normally caused by earth movement (excluded in home policies) or roots growing into the line (not sudden). Sorry!
Homeowners Insurance is not made to cover maintenance. Coverage is determined by the cause of the damage. If it is a "covered cause" and is sudden and accidental the it is probably covered. If not it isn't.
This depends on what you mean by electrical problems. Home insurance is not made to handle maintenance of your home as this is your responsibility. Insurance is made to take care of sudden and accidental occurrences where the damage is due to a covered cause.
They would cover it if the damage occured during the policy period. The damage would have to be sudden and accidental damage, not wear and tear.