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Does a homeowners policy continue after the policy owners death?
Normally, the homeowners policy would continue for the paid up portion of the policy with the proceeds going to the estate, however, state laws and regulations differ. Since you may not be in this state, you should look on the policy and call the insurance agent. He will be gland to answer your question. That is his business and how he makes his living. He might want to continue the policy while the house is in probate or he might want to work out something different. The state law might have different requirements. He will know the law for that state.
Need homeowners policy on property you have occupied 13yrs without previous homeowners policy?
you had no insurance for 13 years? You should qualify for a state plan that will guarantee you coverage - contact a local insurance agent - and expect for the premium to be high
How do multiple loss claims on a personal articles policy for jewelry affect this policy and your Auto and homeowners?
Multiple losses on any policy will guarantee a cancellation. A cancellation on a home insurance policy will pretty much guarantee that you will not get another homeowners policy at anything close to a reasonable rate. Also, you can be assured that no company will allow you to purchase jewelry floater policy either. I hope your state has an insurance pool for those who can't buy insurance in the private sector.
How should I handle liability insurance given that I pay local handymen to fix roof leaks and they don't have insurance?
I'm assuming you have homeowners insurance. You should contact your agent or the policy services dept. of your insuring company and discuss this with them, there may not be coverage under your liability portion of your homeowners policy to cover him, and you may want to add an endorsement. Your state insurance department is your best resource for insurance-related questions and concerns. Find information on insurance companies and agents, rate quotes and comparisons, insurance buying tips, claims filing information and much more! State Insurance Department websites: http://www.naic.org/state_web_map.htm
Are Boat Houses covered under an Home Owners Policy?
State Farm homeowners policies cover boats stored at residence for up to $1,000.
What do you do if your homeowners policy is canceled because of too many claims and the state does not have a FAIR Plan?
Contact an independent insurance agent & find a new carrier.
Will state farm homeowners insurance cover a rusted chimney cap?
No. A homeowners insurance policy does not ever ever cover maintenance of your home. A rusted chimney cap is definitely a maintenance issue. I have had to replace one in the last few years.
What is the Meaning of home insurance endorsement 10194 cancellation amendment added. what you cannot answer a simple question?
If there is an endorsement name and number on the Declarations page, then there should be a corresponding page in the contract describing this endorsement. If you are not able to locate it, contact your agent or state department of insurance. Endorsement names and numbers vary by company, and each company often changes this identification by state. Based on the phrase "cancellation amendment added", it probably has something to do with the circumstances under which you or the insurance company is able to cancel the policy.
Will your homeowners insurance cover a leaking pipe in an interior wall that has gone undetected until now that there is mold growing?
It depends on what state you live in and what exact policy you have. Some policies in certain states will cover this, others will not. You will have to refer to your specific policy and its endorsements. There are hundreds of variations on homeowners policies and endorsements between states and insurance companies..
How does an insurance company define vacancy?
Most often by being unoccupied for 30 days. But you should refer to your Homeowners Insurance policy as this may very by company and or by state.
Does homeowners insruance pay for loss of frozen food?
No, homeowners insurance does not cover food losses due to the failure or outage of a public utility conveyance.All home insurance policies specifically exclude conveyance related damages
Is it possible to purchase an SR-22 from an auto insurance company without having their insurance on your vehicle?
No, an SR-22 is just a form that the insurance company sends to the state to notify them of the status of your insurance policy. It is an endorsement on your insurance policy. Hope this helps.
