It all depends on whether or no the driveway culvert is covered by a covered peril listed in your policy and that there is not an exclusion which would then exclude coverage. For example if your policy has the peril of "vehicle collision" in it, and a vehicle collided with the driveway culvert and caused the damage, it would be covered as long as there is not an exclusion saying it would not be covered for some reason. Also, you would have to own the driveway culvert and not the city, as your policy only property you own.
No. Homeowners policy specifically exclude automobiles. //
No. Your homeowners Insurance Policy does not cover Auto Collision. You will need to file on your Auto Insurance under your Vehicle Comprehensive and Collision Coverage.
No. Homeowners insurance is "Property" coverage. Murder is a criminal offense and is not a covered peril under a home's property hazard insurance policy. Homeowners insurance does not provide liability coverage for criminal acts nor is it a replacement for a life or death insurance policy.
A homeowners Dwelling Policy (DP) can be purchased with or without replacement cost valuation. It just depends on what coverage you purchased when you bought your policy.
It really depends on several factors such as the language of your Homeowners Insurance Policy, The condition of your roof but primarily, whether you have replacement valuation on your homeowners insurance policy. If your wanting your roof replaced simply because it is worn out then there is no policy that will cover it as that is just a normal and expected part of home ownership. Composition (Shingle) roofs need to be replaced about every 20 years or so. If your roof is severely damaged and a total loss due to a covered peril such as wind or hail damage, with replacement valuation coverage on your policy and the roof is beyond repair, then you should have no problem getting it covered for replacement by your insurer.
No. The utility company is responsible for the repair of your driveway, not your insurance. I'm also pretty sure that a driveway technically is not considered part of your home and is not covered under most policies. Check your policy to see what is and is not covered.
No, Homeowners policies are considered Mono-Line
Your homeowner's policy covers unexpected losses like back up of city sewer water into a basement or loss due to burglary. So, unless your driveway is cracking and crumbling because of some unforeseen cause, your homeowner's policy will not cover it. If your driveway was just recently repaired or installed, you might want to check your warranty.
No. Homeowners insurance does not cover remodeling nor normal expected maintenance and risk mitigation of a home.
Yes, of course. The current owners on the policy have to pay for the insurance policy, This is why this policy states that it is a homeowners policy.
If you have an umbrella policy, that might cover it. If you have separate standard polices for home and auto, the auto insurance will cover it first. Deductibles might be picked up by the homeowners. Policies are hugely different, though. You need to consult your policies and call your agents. Recently, my father-in-law bashed my car with his while backing out of my driveway. My collision insurance covered the damage to my car. His covered the damage to his. My homeowners insurance did not cover my out-of-pocket expenses for the deductibles, but his liability insurance did. It's a little different in your case because the same policy covers both cars (I assume).
No. This is not a covered cause under a homeowners policy. This is something that was caused by the homeowners neglect which is not covered under the terms of the policy.