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It will ultimately depend on the language of your insurance policy,
Damages resulting from our choice of pet ownershp are typically not covered. This is because your home insurance is designed to cover losses that are accidental, unplanned or unexpected in nature. Damages caused by pets are generally considered a normal and expected part of pet ownership.
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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.
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.
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 water damage to an electrical panel?
Depending on the source of the water, typically yes.
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 damage to floors caused by an accidental spill?
No, this is considered normal wear and tear.
Does homeowners insurance cover your mortgage if you are laid off?
No. This is not what homeowners insurance is for. Homeowners insurance is to pay for physical damage to your home and contents.
Does insurance cover damage caused by prior owner?
Pre Existing DamageNo. Your Homeowners Policy would not cover pre-existing damage.
Does homeowners insurance cover your patio repairs cause by a storm and the cost of removal of trees that caused the damage?
Yup.
Does homeowners insurance cover a fireplace falling through the floor?
Homeowners insurance covers many things, but not faulty construction or damage caused by deferred maintenance. You will have to check with your insurance company to see if the problem and its cause are covered.
Does homeowners insurance cover garage door damage?
Yes, homeowners insurance will cover garage door damage. You may want to look at your policy to find out what your deductible is. If the deductible is more than the cost of the repair to the door, it would not be beneficial to file a claim.
