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Yes, if the circumstances are right. You can have a secondary home such as a lake house or vacation home and as long as it is listed as a secondary home and used as such. You can't have a homeowners policy on a house that you rent to someone or have someone else living in it even if you don't receive rent. There are correct policies for every situation. Be honest with you agent and let them advise you as to the correct policy for the usage. It's much better to be honest than to lie and have any claim denied. If you are not truthful then you have broken the contract. Also you need to be aware of some of the provisions of the policy. If you move out of your home the coverage ceases 90 days after you move even if you keep paying the premium for years. Be careful and keep your agent informed of any change in the situation just like you would tell them if you traded cars.
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What are homeowners insurance h0-2 codes?
Extended coverage form 2. Also known as the HO2 or HOB homeowners policy form. No codes involved.
How can you get a homeowners policy for a 2-year-old home that is 80 percent complete?
Ask your agent! You will want to ask him about "construction" insurance.
Are you still covered if your homeowners insurance payment is 2 days late?
You better hope a tornado didn't hit in those two days.
If your car is hit by debris from a roof will the homeowner's insurance pay or will your car insurance have to pay?
Depends if it is (1)your roof and your car, (2)your neighbors roof and your car, or (3)your roof and your neighbors car. 1 - You can't sue yourself so your homeowner's liability is out of the question, if you have comprehensive coverage on your car it will be subject to that deductible and your car insurance will pay. 2 - Your neighbors homeowner's liability coverage will pay for the damage to your car. 3 - Your homeowner's liability coverage will pay for damage to their vehicle. 2 or 3 you may want to get an estimate on how much it will cost to fix your vehicle, having a homeowners claim can seriously impact your ability to qualify for competitive homeowners insurance rates and you should only file claims against your homeowners if it is truly necessary. I would say if the cost to repair the car is under $2500 you should work out an agreement with to pay out of pocket instead of through homeowners, unless you can get a gaurantee in writing from the homeowners insurance saying your rates will not go up due to the claim. Good luck.
Homeowners Insurance Policy-Section 2 Personal Liability Coverage?
Can a homeowner get a third party liability insurance covering ONLY visitors who might have an accident while on the premises (not the house itself and its furnishings and belongings) Thank you Elie
Can you do insurance of same thing with different insurance co?
You are at liberty to buy same insurance products from different insurance cos, but problems may arise when you intend to submit your claim under 2 policy bonds purchased from different insurance co against a particular claim.
Will homeowners insurance cover the cost to repair home due to poor construction remodel?
most of the time they will only damages caused by the bad repair not the repair itself 1. Read your policy 2. Call your insurance agent and ask THEM.
Can you claim life insurance on 2 different properties?
Yes
Does homeowners insurance cover ant infestation?
You could contact your Insurance agent for clarification. But most homeowners insurance policies specifically exclude coverage for animal or insect infestations. This type of thing is generally considered an expected home maintenance issue for which most homeowners have an annual service call from an exterminator service as part of the owners regular maintenance schedule. You likely just need to call for your regularly Exterminator Service to come out and give you a service call.
Does homeowners insurance allow retroactive claims?
Preexisting Home DamageMost states only allow a maximum 2 year delay in filing a claim.There is no such thing as a retroactive claim. Homeowners Insurance policies "Do Not" cover preexisting damage and the claim should be filed with the Insurance company that was covering the home at the time the damage occurred.Other answersMost do however it depends upon the claim and what state you are in. Also the period of time cannot usually be over 12 months.
What is the statute of limitation to file a homeowners claim in mo.?
You should verify with your insurance agent. However most U.S. states have a 2 year limit for filing property damage claims.
Is an insurance company able to provide two homeowners insurance at the same time?
If you mean on the same property, no they won't. It is illegal to carry two policies on the same property. The illegality is on the person not the insurance company. Why would you want to carry two policies. All they will do is to coordinate the benefits and pay half of the claim each, therefore you will not collect any more than the claim.
