Home building insurance will generally cover everything that forms part of the building, including the foundation. You need to ensure that you have your home insured for enough to completely rebuild your house if it was completely destroyed. Most insurance companies will have a provision for removal of debris from the site, but it is worth checking as you may need to increase the sum insured to cover costs associated with removing the remains of your home before rebuilding can begin if there is a total loss.
"Flood Insurance" will cover damage resulting from a Flood. Homeowners Insurance will not.
No. Movement of earth is specifically excluded by homeowners insurance. This is the fault of the builder for not compacting the earth properly and providing the proper foundation. Home insurance was not made to cover such.
No. Unless the foundation problem happened because of an earthquake or flood (and you have insurance to cover both catastrophic events), then your insurance will not cover something that has degenerated with time.
No, that is a maintenance issue. Insurance companies don't pay for maintenance on your house.
Typically, standard homeowners insurance policies do not cover damage to a foundation caused by earthquakes. You would need to purchase a separate earthquake insurance policy or rider to have coverage for this type of damage.
No unless the foundation crack was caused by something like an earthquake. Normal wear and tear is not covered.
No. Homeowners Insurance does not cover the owners default on a mortgage note.
No, Your homeowners insurance does not cover vehicle damage. That's what auto insurance is for.
No. The insurance will only cover the replacement of the one brick wall that falls.
Your homeowners insurance should cover damage to your sprinkler system if the cause of the damage is covered by your homeowners insurance policy such as fire, lightning, freezing of pipes, etc. Homeowners insurance is not a maintenance policy and will not cover mechanical failure of your system.
No. This is not what homeowners insurance is for. Homeowners insurance is to pay for physical damage to your home and contents.
No, Homeowners insurance is for the house. it does not cover cars or car accident claims.