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Can your insurance company raise your homeowners deductible without you consent?
it depends on the company
Can you have homeowners insurance without wind coverage?
yes
Who pays the deductible when the other person is at fault?
There is not deductible with liability insurance coverage. Liability pays the party who is not fault for their damages without a deductible. If you were at fault collision would pay for damages to your vehicle but you will have a deductible of whatever you selected when you purchased the insurance policy.
Can someone be removed from a homeowners insurance policy without their consent?
The policy owner, usually the Primary named insured, can add or remove people and coverages from the policy they purchased as their coverage requirements change.
Do you have to agree with the insurance company raising your coverage without your consent?
You don't have to agree but they will cancel the policy. Most homeowners policies include a replacement cost coverage to the structure so they want it to be insure properly.
Can you change the deductible and cap amounts on your health insurance policy without changing policy number?
Probably. Check with your specific insurance company.
What if your employer recently changed insurance companies midyear without telling you your deductible for the year was fully paid Do you have to pay a new deductible now?
Most insurance companies allow credit for the deductible met for services that actually incurred during the same calendar year. Call your new insurance company and find out if they allow the credit and what proof they require.
Can your homeowners insurance company raise your coverage amount to whatever they want without your consent?
Yes. This occurs when a review of your home shows it to be under insured. If your house is insured for 200,000 when it would actually cost 300,000 to replace then it is a problem as most insurance companies guarantee to cover up to the replacement cost.
How can insured amends his insurance policy without the consent of his irrevocable beneficiary?
The insured can never amend his insurance policy without the consent of his irrevocable beneficiary because this act would lessen or diminish what is due to the irrevocable beneficiary and thus considering that this is a diminution...consent of the IR beneficiary is necessary.
Can your insurance carrier raise your deductible without your knowledge?
No, they must inform you of changes to the insurance contract. However, if they sent notice, they will usually have file information on when and where sent.
Does homeowners insurance cover tenants?
No, your homeowners insurance does not cover tenants nor any of their property or liabilities. actually, the presence of tenants without the presence of an owner can void all coverage and nullify the homeowners insurance policy. If the occupancy status of your home changes, contact your agent. Leased homes require landlords insurance. Vacant homes require a vacant property policy.
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
