All homeowners policies cover damage caused by lightning.
Their television commercials give the impression that they do, or at least on some of their policy offerings.
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.
Do not trust AllState
Allstate
No, Homeowners policies are considered Mono-Line
As of 2014, Allstate does not offer the HO3 policy
No, your homeowners insurance does not cover AC maintenance issues. however, depending on the type of policy you purchased, it may cover resulting structural damage after you have completed the necessary repairs to your AC system.
Yes, If the condition of your home or any of it's pertinent structures does not meet the Insurance Company's underwriting guidelines they can deny or cancel a policy.
Yes, of course. The current owners on the policy have to pay for the insurance policy, This is why this policy states that it is a homeowners policy.
No. This is not a covered cause under a homeowners policy. This is something that was caused by the homeowners neglect which is not covered under the terms of the policy.
If your air conditioner is not operational due to age, wear or is simply broken down it is not covered under your homeowners Policy. If it was damaged due to a covered peril such as fire or lightning then it should be covered.
Allstate...State Farm..all most any insurance company that writes homeowners will do Builders risk for builders...but if you are not a builder..they will only do a "renters dwelling" policy until you move in.