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Will homeowners insurance cover a cracked foundation caused by an earthquake?
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.
Does homeowners insurance cover fire damage caused by a visitor?
Yes, Homeowners insurance typically does provide coverage for losses that result from an accidental fire.
Does insurance cover damage caused by prior owner?
Pre Existing DamageNo. Your Homeowners Policy would not cover pre-existing damage.
Does my homeowners insurance cover damage to my property caused by tree roots from a neighbor's tree?
Yes, but you would have to pay what your homeowners deductible.
Will homeowners insurance cover damage to personal vehicles at the home caused by someone else?
Homeowners insurance covers what is inside the home. Check your auto insurance for auto damages.
Will homeowners insurance cover damage to the neigborh house by your car?
No. You homeowners insurance specifically excludes motorized vehicles. You auto insurance will cover damage you did to their home with your car. Your homeowners is not designed to cover damage you do with your vehicle under any circumstances.
Does homeowners insurance cover damage to floors caused by an accidental spill?
No, this is considered normal wear and tear.
Does homeowners insurance cover your child damaging the neighbors vehicle?
No, Your homeowners insurance does not cover vehicle damage. That's what auto insurance is for.
Does homeowners insurance cover damage caused by a repair man?
Not generally. If the repair man is responsible for damage, he is also responsible to repair it.
Does homeowners insurance cover sprinkler system?
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.
Does homeowners cover damage caused by birds?
no
Does homeowners insurance cover your patio repairs cause by a storm and the cost of removal of trees that caused the damage?
Yup.
