no - damage by insects is excluded
Usually not. Check your policy for Perils Insured Against, and Exceptions. Call your insurance company. If they say it is not covered, ask where it says that in the policy.
Not usually. The neighbor's homeowners insurance would cover it underneath their liability insurance.
Personal possessions are usually covered on your homeowners or renters insurance policies.
One can compare prices for Hartford Homeowners Insurance by visiting other insurance websites to compare the prices. One can usually get a quote to see the price of the insurance of different companies to compare.
Not normally, but you may be able to specify them for limited coverage.
Probably not. Usually a septic system backup is caused by a maintenance issue and not by a covered cause that would be covered on your homeowners insurance.
Yes, but usually not much, maybe $200.
Most people just buy another insurance policy somewhere else. That is usually what happens.
Yes, it can. Depending on your coverage and policy with your insurance it can cover medical for others.
Fire damage insurance is usually a part of your homeowners or renters insurance. Depending on your desired level of coverage, it may be necessary to pay an additional premium.
Homeowners Insurance and TermitesMost homeowners insurance policies do not cover termite infestations, However there may be coverage for resulting damage to the structure once the infestation has been addressed, depending on the type and scope of coverage you purchased. You would need to have the termite situation resolved by a professional pest control company before your insurance company would respond to any structural damages resulting from the infestation. Pest control is considered part of a homeowners expected and usual maintenance routine.Pest control service companies offer "service warranties" to their clients that have regular corrective or preventative treatments performed to the structure. There is usually an upfront charge for the initial service to correct or prevent infestation and then there is an annual fee to keep the service warranty in place. There are different types of service warranties offered by different pest control companies. One type offers re-treatment only, another offers treatment and repair of damages should infestation occur or re-occur. These service warranties are subject to several terms and conditions.
Not usually. Usually water damage has to be from a sudden burst of plumbing or flood or some sort. Any negligence in homeowning is a touchy subject for insurance.