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I have never heard of this and don't believe that it exists. I believe that if you are interested in liability only then a premises liability policy is what you want. A "homeowners" policy is a packaged policy with property, liability, medical payments to others, and many other coverages put together for owner occupied homes only. There are several different "forms" of homeowners policies such as: HO-3 is the typical owner occupied replacement cost policy; HO-4 is for apartment or those renting a home; HO-6 is for condominium owners; HO-1, HO-8, HO-10 are owner occupied actual cash value policies. There are also many many endorsements available to add or delete certain coverages from these forms.
What else can I help you with?
Does a homeowners insurance cover death of your child in the home?
No. Homeowners insurance only covers physical damage to the home and contents and liability risks.
Does homeowners' liability insurance cover personal injury on another property?
No, your Homeowners Insurance will not. Your Medical Insurance Will.
Personal liability limit on homeowners insurance?
Is this seems like an incomplete question. Homeowners policies typically have personal liability on them.
What is the Liability of homeowner acting as General contractor?
Homeowners insurance does not have liability coverage for your job occupation. You can obtain contractors insurance for liability coverage.
Does my homeowners insurance cover a neighbors dog attacking my dog?
Not usually. The neighbor's homeowners insurance would cover it underneath their liability insurance.
What are the two type of coverage provided by a homeowners insurance policy?
Property and Liability
What is homeowners liability insurance for?
The liability portion of your home insurance policy provides protection in the event someone asserts a claim of liability against the homeowner for damages or injuries.
Is being sued for your home covered by insurance?
It depends on why your being sued. If your homeowners insurance covers the act that caused the suit, then you should have legal defense costs coverage if you purchased liability insurance with your homeowners insurance policy. If you did not purchase liability coverage then your insurance company will not defend you.
What is homeowners liability insurance?
The liability section of your homeowners insurance covers items that you are legally obligated to pay for injuries to other persons due to your negligence. It will also pay for legal fees to defend you if you are sued for such items.
What is home insurance?
Home Insurance is Insurance coverage for your house, condo or apartment for your personal property and liability coverage for you. The insurance coverage for your house is also called homeowners insurance. The Homeowners isurance is an insurance package that has coverage for the dwelling, the others structures on your property, Loss of Use, Medical Payments and Personal Liability.
If a Homeowners dog bites a child and tears their lip open causing multiple surgeries what is the insurance liability to pay medical bills liability or compensation?
If a Homeowners dog bites a child and tears their lip open causing multiple surgeries what is the insurance liability to pay medical bills liability or compensation?
Does homeowners insurance cover Burglary for renters?
No, homeowners insurance typically only covers property and liability for property owners, not renters. Renters should consider purchasing renters insurance, which can protect their personal belongings in the event of theft or burglary.
