Who is covered under homeowners insurance?
A "Named Insured" or "Insured" should defined by the policy and listed in the Definitions section of your policy. Generally it is the person listed on the declarations page, and permanent residenants of your household.
4 people found this useful
Answer . \nFor damages from storms or weather related issues, sometimes from accidents such as your neighbor's tree limb crashing onto it, although it some cases it might b…e the neighbor's responsibility. However, a roof is not covered by homeowner's insurance if it is a matter of replacement or repair due to damage from normal "wear and tear".
no... insurance is based on risk, termites are pretty much a sure thing
Yes, 100% coverage if you covered it with a rider. If not, than a small % as allowed by your policy subject to your deductible.
its a gray area in the policy - but property of others would be covered at your request
No, water wells are not typically covered under homeownersinsurance policy. The company that installs the well usually has awarranty that may cover damages, or malfunctions.
It depends on the terms of your insurance, but most are, or should be.
It depends on what caused the leak, Fire? Wind? Hail Storm? Tornado?,, Yes it would be covered. Old leaky or broken pipe? you just need a plumber, that would benormal and ex…pected maintenance not covered under homeownershazard.
no, you have to get laptop cover
Call your Insurance Agent, he or she should be able to advise you of your coverage. You could also refer to your policy language and look for the terms "Mold or Fungi". …Bare in mind that many homeowners policies now exclude coverage for mold or fungi unless you opted to purchase additional coverage. Most Mold and fungi is considered a maintenance issue and coverage is provided through endorsement for an additional premium these days.
Home Insurance for Skunk Vandal? No. A skunk is not a vandal. it is a pest and this is a maintenance issue. If your home foundation is properly skirted and vented a skunk co…uld not get under it. 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. Answer Well, 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 Answer The only way would be if someone purposely put a skunk in your home knowing it would spray.
Depends on the policy, type of grill, etc. Seemingly, anything that can possibly go wrong is specifically excluded somewhere in the fine print.
Contact your insurance agent. If you have additional structures coverage and your well meets the definition of an additional covered structure on your policy you may have cove…rage. Bear in mind that additional structures will be covered for the same perils as your main structure. Typical perils are Fire, Wind, Hail damage etc per your schedule of covered perils.
No, but it may be covered under your dental insurance plan.
I believe in most any situation that carpet damaged by a dog will not be covered. Of course it will depend on the actual policy and what happened but in most if not all cases …this type of damage would not be covered.
Cell phones are covered as are any other contents if damaged by a covered cause such as a fire. The problem is that all homeowners policies have deductibles. It is not advisea…ble to make small claims on homeowners policies. They are made for large issues such as a fire or other large claims.
No. You need to purchase a seperate policy for snowmobiles, ATVs, boats, motorcycles, etc.