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Your niece drove into your garage door w her car and did 1k damage to the garage should your niece claim it on her auto policy or should you claim it on your home insurance?
Wiki User
∙ 9y ago
Since it was caused by the vehicle, the vehicle insurance should cover it. Most home owners insurance companies would probably make a claim against the auto insurance company, if they covered it.
Wiki User
∙ 9y ago
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Will home owners insurance cover attached garage if it falls down from bad weather?
If the garage is attached to your home then it would be covered under Coverage A of your policy. If the damage was caused by a bad storm then more than likely the damage would be covered under your policy. If you have a HO-3 policy then the damage should be covered. Call you agent and ask him/her to review your policy to determine if the damage is covered before you call your insurance company.
Should homeowners insurance cover cars in garage fire?
No, unfortunately it does not. Your homeowners insurance covers damage to your home. Your auto insurance covers damage to your car.
Does renters insurance cover items stored in garage?
If the items are scheduled on your homeowners insurance policy for coverage, the items belong to you and the garage is the same one at the insured home, then you should have no problem with coverage.
Does homeowners insurance cover sprinkler system?
Your homeowners insurance should cover damage to your sprinkler system if the cause of the damage is covered by your homeowners insurance policy such as fire, lightning, freezing of pipes, etc. Homeowners insurance is not a maintenance policy and will not cover mechanical failure of your system.
Is it worth it to get a home insurance policy?
Yes one should always a home insurance policy. They protect one in case of burglary, accidental damage or natural disasters such as floods and hurricane damage. Without insurance one could have to pay thousands of dollars for potential repairs.
Should insurance replace all cabinets after water damage?
Replace or repair all damaged as specified in your policy.
Will rental insurance pay for wind damage to roof on a rental house?
This is not a covered peril on a tenants renters insurance policy. Nor should it be. This is the landlords responsibility.
What's garage liability insurance and its coverage?
Your garage insurance should be covered by home owners insurance or renters insurance. I am not sure you would need liability insurance in a garage though, because no one else would be hurt in there.
Should homeowners insurance cover water damage that was caused before you moved in?
No. Your policy will only cover damages which were caused by a covered loss during the policy period.
Does home insurance cover damage to sheds?
IF your policy has coverage for "additional structures" and most do. Then you should have coverage, subject to your deductible of course
Flood Insurance Policies Should Always Be Considered?
When homeowners and business owners purchase an insurance policy they often overlook the need for flood insurance. Many people assume that this type of coverage is automatically handled in their policy. This is not the case. Unless it is specifically pointed out to you when you purchase your policy that flood damage is included, you are not covered. High risk states, such as hurricane prone areas especially, should be aware of this policy exclusion. Assuming you are protected for flood damage could cost you everything you own in the event of a flood. Flood insurance can be purchased directly through the government and a flood policy is relatively cheap. These flood damage policies are issued through the National Flood Insurance Program. This program, run by FEMA, is available to hoe and business owners throughout the country. Flooding can happen at any time and in any place. Because most flood damage is caused by storms, you can never predict when these events may occur. A flood insurance policy should always be held by anyone that needs to protect property. Business owners should always consider a flood policy even if they do not own the building. If your building becomes flooded the buildings insurance policy is not going to cover damage to your suite’s contents. Your personal insurance on your business will also deny you coverage because the damage was caused by flood waters. You should always carry a flood insurance policy, regardless if you rent or own. Flood insurance also protects you from non-storm related flooding. If a water main breaks and floods your structure the damage will be covered in a flood policy. Most regular policies only cover water damage from a pipe break if the break was located within the actual structure. Breaks outside will not be covered. The National Flood Insurance Program can be accessed through the FEMA site or a local insurance carrier. The process to get the insurance policy is simple and, as stated before, very nominal in price. The protection it offers you is well worth the associated costs.
Does homeowners insurance cover dishwashers?
If Your dishwasher is just malfunctioning and needs a repair man then NO, Your home Insurance Policy does not cover Appliance Maintenance.A good home insurance policy should in fact cover damages to your home caused by a dishwasher if you have coverage on your policy for Water Damage, But it will not cover the dishwasher itself unless it was damaged by a covered peril under the terms of you insurance policy.
