If you purchased a more economic HOA or HO1 Policy then likely there will be no coverage for tree removal unless the tree fell on top of your house in which case it would cover it.
HOB Homeowners policies also known as an HO2. May or may not have coverage for Tree and Debris removal depending on the endorsements or exclusions it may carry. Again, unless the tree fell on the house.
An HOC Homeowners policy also known as an HO3 or an "All Risk Policy", Will usually have the coverage for tree and debris removal.
I don't know of any homeowners policy that would cover damage to a road without a specific endorsement for it. There is no HO1 coverage for trees due to wind...either for their value or to cut & haul them off, UNLESS they land on covered property such as your house, fence, detached garage, or any other covered structure on the insured premises. Then, there is normally a limited $$ amount to pick the tree up off the covered property (in order to repair the covered property), cut & haul it off. A paved driveway is usually considered a "structure"....if a tree falls on it & cracks it, there may be coverage.
No. Homeowners Insurance does not cover Auto accidents. Auto Insurance covers automobiles. It does not matter if the auto accident was on public or private property.
What do you mean "private company" If you have HO insurance the bank can not canel it. Only you can.
Did you ever get an answer?
No--unless it is required by the HOA bylaws or CC&Rs. However, having liability insurance is advisable for a homeowners' association because of the expense and burden of lawsuits in today's world.
No, You would need to look for your auto insurance for road accidents
They are not the same. Homeowner's insurance insures the property: dwelling, personal property, other structures on the property, etc. Private mortgage insurance pays the mortgage in case of the death or disability of the mortgagor.
Personal lines insurance typically does not include coverage for homeowners' associations. Homeowners' associations typically have their own insurance policies to cover their common areas and buildings. Individual homeowners may choose to purchase personal lines insurance to cover their own property within the homeowners' association.
Premier Choice Group is a leading provider of private health insurance. They also offer international coverage which is great for travelers and expats. Many people don't realize that health insurance usually do not cover medical expenses that are incurred abroad.
You need insurance to protect yourself from a lawsuit by private people. Since you are not dealing with vendors they nobody will probably ask you to see a copy of your policy but without insurance you are not covered. The answer would basically be the same to "do I need Homeowners insurance if i don't have a mortgage".
American Family Insurance is a great private insurance company that covers health insurance as well as dental insurance. American Family Insurance also gives you these options for a great price.
The provisions were just made available through the Obama administration. The private mortgage insurance covers job loss and allows the consumer to not only skip a mortgage but also an insurance payment.
Private insurance plans include all forms of health insurance that are not funded by the government.