No, that is yours since it is home maintenance. You need to get some airflow over to the windows to prevent condensation. You may also need to seal the windows better from the outside. (I had the same problem in the Chicago area with an older house; the condensation would then freeze.)
That depends on your insurance provider. Easiest way is to ask them.
No, your homeowners insurance does not cover AC maintenance issues. however, depending on the type of policy you purchased, it may cover resulting structural damage after you have completed the necessary repairs to your AC system.
No. Homeowners Insurance does not cover the owners default on a mortgage note.
No. Settling is not a covered cause.
No, Your homeowners insurance does not cover vehicle damage. That's what auto insurance is for.
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.
Settling of earth is not a covered cause of damage. For this reason, the homeowner's insurance will not cover replacement of the windows. This is a maintenance issue that is your responsibility as the homeowner. Maintenance is never covered by the homeowner's insurance. Sorry.
Homeowners insurance does not cover automobile nor there parts.
No, your Homeowners Insurance will not. Your Medical Insurance Will.
No, Homeowners Insurance is Hazard Insurance it does not cover the costs of asthetics. That's landscaping or Lawn Maintenance.