Im not sure how 'bee honey' itself could damage anything. Homeowner's policies typically excluded damage caused by insects. //
NOTE ADDED: Bee hone decays once the bees are dead, and the process can cause rot as well as damage to drywall and other building materials. Leaving the honey in the walls can cause major issues.
HO insurance policies are typically all risk and as such would cover such loss
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.
Yes, Homeowners insurance typically does provide coverage for losses that result from an accidental fire.
Homeowners insurance covers what is inside the home. Check your auto insurance for auto damages.
Yes, but you would have to pay what your homeowners deductible.
Not generally. If the repair man is responsible for damage, he is also responsible to repair it.
No, this is considered normal wear and tear.
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.
Yes. Your homeowners insurance policy typically provides coverage for your homes structure from losses ensuing from the perils defined.
No. This is not what homeowners insurance is for. Homeowners insurance is to pay for physical damage to your home and contents.
Pre Existing DamageNo. Your Homeowners Policy would not cover pre-existing damage.
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.