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Your question will be best answered by the insurance agent or broker who sold you the policy.
Almost nothing in an insurance policy that covers a home is automatically covered if it is not located in the home. And some items in the home may not be covered either, without a special rider. This is especially true of expensive items, such as jewels, furs and so forth.
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How do standard home-owners policies differ from condo insurance policies?
There is some liability with condo insurance since a fire in your home could also do damge to a neighbor. Regular home owners wont cover that since buildings are sperated.
Does home owners insurance cover someone hitting your mailbox?
Yes, it will cover that minus your deductible,, However you should first check to see what your deductible is. Most mailboxes are pretty cheap and likely far below the cost of your policy deductible. No point in filing an insurance claim if the cost of repairs is below your deductible.
Do home insurance policies cover or discount on home repairs?
Home insurance policies cover all kinds of mishaps and repairs. The discount is called the deductible. When you purchase a policy you select a deductible amount of damage or loss that you pay for first and they pay the difference afterwards. The $100 deductible cost more per month than a $500 or $1000 deductible. Read your neighbor's policy. You might learn a bit about that subject.
Does home insurance cover lost earrings?
Yes but it may be subject to a deductible if the earrings are not listed specifically on the policy.
Water is coming in to condo from another condo which homeowner policy should cover?
If it is a covered water loss, you policy will cover it. If they think the other condo owner is liable, they will pursue them to get their money back. If, according to the CCR's, the associations policy covers it, your insurance will pursue the assoc. insurance. If the association's policy says you neighbor is liable, your insurance company will pursue them to get their money and your deductible back. Your best bet, as I have come across this hundreds of times is to have your insurance company cover it and let all three companies sort it out. This will make your life a lot easier. As it will may take months for the other companies to make up their mind and you will have to live in your water damaged home for a long time. CALL YOUR INSURANCE COMPANY ASAP, PLEASE.
Does home insurance cover damage to sheds?
IF your policy has coverage for "additional structures" and most do. Then you should have coverage, subject to your deductible of course
Where can someone go to get insurance for a condo home?
Condo insurance is available as a specialist type of home insurance from most mainstream home insurance providers. Some well known examples are State Farm, Bank of America and GEICO.
What insurance is available for owners of condos?
If you own a condo, you can get basically the same type of insurance as a homeowner, depending on what type of condo you have. If you condo is more like apartments, you may be able to get insurance similar to renters insurance, while if you have a stand alone home, you can basically get just home owner insurance.
What happens if you cannot afford the homeowners insurance deductible?
Normally when you buy a house, you will be required to get home owner's insurance and pay a deductible. If you can pay the deductible, you may lose your homeowners insurance.
Does homeowners insurance cover a garage door that was hit be a friends vehicle and his vehicle?
Your homeowners insurance will cover your garage door subject to your deductible since it is part of your house. Your Home insurance does not cover damage to a vehicle though. That's what Auto insurance is for. Your friend will need to contact his auto insurance to fix his vehicle.
What can you do if you do not have the money for the deductible for your home owners insurance claim?
You can either borrow money or what to get the repairs done until you have your deductible.
How does your deductible work in home insurance?
The amount of a policy deductible on a homeowners insurance policy is chosen by the policyholder. Your policy deductible is the amount you are responsible for paying before the insurance company will payout for a claim. If you experience a loss to your dwelling or your personal property, your homeowners insurance policy deductible applies. The deductible does not apply to other coverages on the policy. If you experience a loss under your deductible, you will not be eligible for a payout. If your loss exceeds your deductible, your deductible will be deducted from your claims payout check.
