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If you have fire in your house that damages your furniture what type of insurance should you have to replaceyour damaged furniture?
Wiki User
∙ 12y ago
Most homeowners insurance or renters insurance covers personal property. If you own your home and have insurance, your probably have homeowners insurance like an HO3, HO4, or HO5 policy. These types of policies almost always cover contents. Some people have a SF policy, or standard fire. That covers just the house, nothing inside. Pretty basic policy. Those policies are usually used for rental places, business, non-lived in houses. Its a cheap cheap policy.
You policy may or may not have Replacement Cost Value. Most policies do. If you have an ACV policy, you probably had to ask specifically for it.
To answer your question short and sweet, you need Schedule C Contents coverage.
Wiki User
∙ 12y ago
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If you damaged someones property with your vehicle and you had no insurance. All you can do is pay for the damages out of your own pocket.
Does property insurance cover damages caused by a tree falling on my house?
Definetely you can claim for the damages caused by the tree falling on your house. The Insurance companies cover these damages under the property insurance. Just you have provide the photos of the damaged house aas an evidence to claim your money.
Does homeowners insurance cover cat damage to new furniture?
No, Your home insurance policy will not cover normal and expected damages that result from our choice of pet.
Does homeowner insurance include damages done on a vehicle that was damaged in your yard?
No damage to motor vehicles is specifically excluded
Will your entire roof be replaced when tree falls and damages only part?
No, your insurance contract specifies coverage for certain damages that result from the covered perils listed on your policy. Homeowners insurance can not provide coverage for things that are not damaged.
Who pays for a house damaged by a fallen tree?
Your Home Insurance company will cover the damages. Nobody is liable for an act of Nature.
If my wife hits our garage with our trailer what insurance pays for the damages Auto or Home?
It depends on what is damaged, but most probably home and contents
What type of automobile insurance coverage will provide reimbursement to the property owner if the tree is damaged?
If a driver runs off the road, into someone's yard, and damages a tree in the yard that has some decrative value the drivers liability insurance will pay for the damages to the yard and tree.
Does shelter insurance offer coverage for natural damages?
"Yes, Shelter Insurance offers coverage for natural damages caused by things such as a storm, although the customer is responsible for reporting such damages in a timely manner. You are also required to ensure that the damaged property does not incur more damage by providing proper protection after the damage."
What happens if i rent a car without insurance and it gets damaged while it's parked?
You are responsible for the damages..that is why they ask do you want to purchase their insurance or if your car insurance will cover the rental...And once you sign the papers you have agreed to the terms and conditions..
Under what circumstances would a person want comprehensive motor vehicle insurance?
Comprehensive insurance helps to pay for damages to a vehicle that were not the result of a collision. If you want insurance when a vehicle is damaged by fire or theft , then you should purchase comprehensive motor vehicle insurance.
If you keep your insurance reimbursment check is that fraud?
If the insurance company has determined that the damages submitted are valid and issue a reimbursement check, the owner of the check may use the reimbursement for any purpose and is not required to repair or replace the item damaged. Fraud would be providing the insurance company with false information in order to receive a reimbursement for damages.
