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You will need to check your insurance policy. Some cover vandalism and some do not. If you bought a HO3 broad all risk policy, Although it costs a little more, it will have vandalism coverage automatically included.
If you bought one of the more economical forms HO1 or HO2 home insurance policy, you will need to look on your policy declarations page for the word "vandalism".
Alternatively you can call your insurance agent and have him or her review your policy for coverage.
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Does homeowners insurance cover damage in your attic done by opossum?
Yes.
Does homeowner's insurance cover damage done by renters?
Homeowners insurance No. But a landlords Dwelling Policy yes.
Do homeowners insurance cover damage done by neighbors?
yes it does i know because someone broke our fire-pit and insurance covered it
If you hit a telephone pole and no damage was done to the pole but you do not report it to the police will insurance still cover it?
Yes, less your deductible. You can call it vandalism.
Will homeowners insurance cover damage to a car damaged at your home?
It depends on the situation but mostly the car insurance comprehensive coverage would cover any damage done in a non-moving accident.
Does my home owner's insurance cover damage done by predatory contractors?
It depends on the situation. If for example the contractor is a roofer and they damaged your roof trying to make it look like hail damage to get it bought by the insurance company, you can file a police report on them for vandalism and then file a vandalism claim with your insurance company.
Does homeowners insurance cover damage done by foundation failure?
No, but if the failure causes a fire or water damage, then the water and fire damage will be covered.
What is Builders risk insurance?
Builders Risk Insurance is a commercial Lines Policy Form Obtained by Contractors and Home Builders to cover their Construction related Risks.
Does homeowners insurance cover plumbing repair to a leaking pipe behind a wall in the house?
AnswerIt may vary state to state but generally NO insurance will not cover the leaking pipe but it will cover the cost to get to it and repair the damage done to get to it as well as cover the damage done from the leak. You are on your own with the cost of the plumber. Best bet is to read your policy on exclusions. If it is not excluded, it's covered.
Does homeowners insurance cover if it is being rented?
No, When you rent your home out to someone your Homeowners Insurance Policy is automatically null and void whether or not you have notified your insurer. If you have become a landlord you need to purchase landlords insurance for your property. This is done by obtaining a Dwelling Policy with a rental dwelling endorsement. Just contact your insurance agent and he can help you place the right coverage for your tenant occupied property.
What do you mean by Vandalism in auto insurance?
Comprehensive is a physical damage coverage that is designed to pay for damages caused to your vehicle. Several different losses are covered under comprehensive coverage including: fire, theft, vandalism, explosion, civil riot, hail, and colliding with a live animal. Some insurers refer to Comprehensive coverage as Vandalism coverage. This will cover practically any type of vandalism that occurs to your vehicle except vandalism that was intentionally done by yourself. You will be required to provide a police report if vandalism is claimed.
Does homeowners insurance covers damage done to a property by a hired person?
Generally no. Hired workers are not covered under a home insurance policy. Homeowners insurance policies do not cover "poor workmanship" But the contractor or repairman's Commercial Liability policy will cover if he damages your property or fails to perform repairs up to the standards that a reasonable person would expect. This is why you should always hire from established companies that you can verify are properly licensed and insured to perform the work.
