Yes, your deductible would apply.
It can. Depends on the item & your deductible.
Most smoke detectors are worth far less then your deductible. But electronic failure is usually not a covered peril in a homeowners policy.
No. The medical coverage and liability sections of a homeowners policy do not contain any deductibles. These sections do not cover the homeowner or any household residents.
if you are in a field and there is one tree lightening strikes the tallest object around and if you are under that tree you will feel the effects of that strike or part of the tree could break of where lightening hits and fall on you. if your in a field and lighening starts to strike get as low to the ground as you can till you can seek cover
Nope, a homeowners policy does not cover the home owner.
No, homeowner's insurance does not cover maintenance and pest control is a maintenance issue.
Most homeowner insurance will cover for public liability but you need to read your policy.
If i go out of town and live the water running from the sink would mu homeowners cover the claim
You do not pay a deductible for the car that you hit. Your liability coverage does not have a deductible.
No, homeowner's insurance only overs damages on the house.
A well pump is covered property as part of the home. As always, the key is the cause of loss and not just that the item is damaged. Probably the main covered way for a well pump to be damaged is through lightening damage.
No, in fact standard homeowner's policies specifically exclude coverage for vehicles.