Actually, This is covered under your Contractors General Liability Insurance.
If your contracting builder does not have insurance, you need to get rid of him, and find another contractor immediately.
Your home insurance property coverage portion of your policy would not provide coverage for property of another. However, If you are found liable for damage to your neighbors property your liability coverage would invoke. Most homeowners Insurance policies come as a package with some level of Liability Insurance unless you purchased stand alone property only coverage.
absolutly, and he can take everything you have if you don't have enough to pay his damages!
No, your Homeowners Insurance will not. Your Medical Insurance Will.
No, homeowners insurance excludes vehicles.
Homeowners Insurance Covers your Property. Not criminal activities
If you scheduled your personal property on your Homeowners Insurance Policy then it will cover. If you failed to schedule your personal property then it will not be covered.
In general your Homeowners Insurance Policy is specific to property of the named insured. But it really just depends on the type of policy you purchased and the scope of coverage afforded. It would be a good idea to contact your insurance agent. Your agent could advise you on possible coverage for the stolen property.
Which of these provides the funds needed for expenses such as property taxes, homeowners insurance, mortgage insurance, etc.?
Mother Nature would be the "responsible" party. The homeowner is not "liable" for acts of nature. Your homeowners insurance is not responsible for a natural act that causes damage to property of another. Your neighbors car is not listed as covered property on your Homeowners policy. Your homeowners insurance would also not pay if the tree fell on your own automobile. If a tree falls on someones car they should file a loss claim with their Auto Insurance Company. If they have comprehensive coverage then it will take care of their loss.
No. Your Car is covered by your Auto Insurance Policy. It is never covered by a homeowners policy no matter whose property it is on.
You ask the property owner.
No. Homeowners Insurance does not cover Hail damage to an Automobile.Hail damage to an automobile is covered by the vehicles Auto insurance policy. Vehicles are not scheduled property on a homeowners policy.