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Who is responsible for taxes and insurance on a building and or equipment owned by a public utility but located on a homeowners property?
Technically, the insurable interest, which is the taxable one, i.e. the building is the property by a Public Utility. So it should be them the responsible
Is a utility vehicle cover by homeowners?
No. It needs it's own separate insurance. Homeowners insurance excludes vehicles.
Does homeowners insurance cover housing during power outages?
No, Homeowners insurance does not provide compensation for utility outages.
Does homeowners insurance cover utility poles damaged due to weather?
No, Utility Poles and other conveyances of this type are not the responsibility of the home owner. You should contact your local Utility provider. They will order a repair the pole situation at no cost to the homeowner.
Does your homeowners insurance cover a stolen utility trailer?
Juat had one stolen and was told no by homeowners policy :(
Does homeowners insurance cover damaged driveway caused by utility company water leak?
No. The utility company is responsible for the repair of your driveway, not your insurance. I'm also pretty sure that a driveway technically is not considered part of your home and is not covered under most policies. Check your policy to see what is and is not covered.
Is food loss covered in power outage?
No, Homeowners insurance does not cover spoilage due to utility failures.
Does homeowners insruance pay for loss of frozen food?
No, homeowners insurance does not cover food losses due to the failure or outage of a public utility conveyance.All home insurance policies specifically exclude conveyance related damages
Does home owners insurance cover utility vehicles?
To a degree yes, but only those that are used for maintenance of the owned property. Homeowners insurance never provides coverage for a vehicle that is designed for use on public roads. Contact your insurance Agent for more detailed information about the scope of coverage included in your policy. Not all home insurance policies are the same.
Does homeowners insurance cover wiring from street?
The main power line coming from the street is owned and serviced by your local Utility Service. You should call your electric utility provider if it needs maintenance or service.
Will homeowners insurance pay claim if power is shut off by utility company?
That would depend on the nature of the claim. Typically your home insurance will pay for damages resulting from the the specified perils. Sudden loss due to Fire, Wind, Hail etc. They do not pay utility bills though.
Will home owners insurance replace an ac unit if it was damaged by a power surge?
No, Power surges and other utility provider related damages or outages are not a covered peril under the terms of your home insurance policy
