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Is flood damage covered under regular home insurance?
Floor damage is almost never covered under regular home insurance. It needs to be purchased separately and can be quite expensive for many areas.
Why is damage to watercraft or trailers excluded?
Because watercraft is usually covered by your home or renter's insurance. The trailer can either be included on your home insurance or on your auto insurance but you must have the trailer listed on your auto policy in order for it to be covered there.
Hardwood floors covered under home owners insurance?
Yes, hardwood floors are covered assuming the damage was due to a covered loss. Ask us back as to why they are damaged to see if the damage is covered.
What does home renters insurance cover?
Your home renters insurance will cover you for loss or damage to the property which you own and which is kept within your rental property. Any damage to the actual structure of the building would be covered by the landlord's insurance.
Does home insurance cover damage to visitors car?
No, Home insurance does not provide coverage for automobiles, it does not matter who the automobile belongs too. That's what auto insurance is for. Damage to an automobile would be covered under the vehicle owners auto insurance policy.
Will home owners insurance cover attached garage if it falls down from bad weather?
If the garage is attached to your home then it would be covered under Coverage A of your policy. If the damage was caused by a bad storm then more than likely the damage would be covered under your policy. If you have a HO-3 policy then the damage should be covered. Call you agent and ask him/her to review your policy to determine if the damage is covered before you call your insurance company.
What is the purpose of home insurance?
Homeowners Property Insurance is "Hazard Insurance" that protects the property owner from loss or damage due to the stated covered hazardous perils.
Will homeowners insurance cover damage to your home due to improper construction?
That would be covered under Your Builders General Liabiity Insurance Policy,
Are you covered for tornado damage even thou your policy does not have hurricane insurance for your home.?
Your policy will not specifically say it covers "hurricane" or "tornado" damage. If if covers wind, then your loss would be covered.
Will your renter insurance cover when there was a damage in parking lot with your vehicle?
Of course not. Auto insurance has to cover your car and home insurance covers your home. Damage to you car is always covered under an auto policy. It is specifically excluded under your homeowner's rental policy.
Does home insurance cover tornado damage?
Yes. Your house is covered by anything unless it is specifically excluded in the policy. Your personal belongings are covered under the peril of water/water/hail damage.
Does mobile home insurance cover damage caused by a tree?
Mobile home insurance does cover your home if damaged by a falling tree. It would also be covered if it were damaged by the over growth of tree roots.
