It depends on what type of insurance the property owner has and what the terms of the lease are.
Some landlords carry property damage coverage for the building structure.
Some leases require that the renter carry a tenants policy.
Yes, Homeowners insurance typically does provide coverage for losses that result from an accidental fire.
Homeowners insurance covers what is inside the home. Check your auto insurance for auto damages.
Yes, but you would have to pay what your homeowners deductible.
Only if you have earthquake coverage. A regular homeowners policy excludes damage caused by ground movement or earthquakes.
Not generally. If the repair man is responsible for damage, he is also responsible to repair it.
No, this is considered normal wear and tear.
No. This is not what homeowners insurance is for. Homeowners insurance is to pay for physical damage to your home and contents.
Pre Existing DamageNo. Your Homeowners Policy would not cover pre-existing damage.
Homeowners insurance covers many things, but not faulty construction or damage caused by deferred maintenance. You will have to check with your insurance company to see if the problem and its cause are covered.
Yes, homeowners insurance will cover garage door damage. You may want to look at your policy to find out what your deductible is. If the deductible is more than the cost of the repair to the door, it would not be beneficial to file a claim.
No, unfortunately it does not. Your homeowners insurance covers damage to your home. Your auto insurance covers damage to your car.