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Contact your insurance agent. If you have additional structures coverage and your well meets the definition of an additional covered structure on your policy you may have coverage.
Bear in mind that additional structures will be covered for the same perils as your main structure. Typical perils are Fire, Wind, Hail damage etc per your schedule of covered perils.
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Can you change homeowners insurance companies if you have a claim with the old company for hidden dry rot?
You can change insurance companies at any time you want to. Dry rot is not covered under any homeowners insurance policy and will not be covered by any other company that you change to. When the company finds that you are filing claims for such items and are mad because it wasn't covered the new application may be rejected as well by the new company. Dry rot is a maintenance issue and not the result of a covered cause under home insurance. To be covered by home insurance it must be the result of a covered cause which generally means it must be sudden and accidental.
I am a first time homebuyer and I was wondering is Flood Insurance covered with Home Insurance?
No, you are not protected from a flood with your basic homeowners insurance. Most companies that sell homeowners insurance will probably sell flood insurance as well, but it will be it's own purchase.
Does homeowners insurance cover a collasped well?
I cannot think of any covered cause that would cause the collapsing of a well. Damage must be due to a covered cause.
Does homeowners insurance cover broken faucet?
No. A broken faucet sounds like a maintenance or a manufacturer issue and not an insurance problem. Insurance covers events that happen due to a covered cause such as : fire, theft, lightning, windstorm, weight of ice or snow, and many others. The covered item happen in a sudden and accidental manner for them to be covered as well. At no time does a homeowners policy cover maintenance problems. This is not what a homeowners policy was designed to do.
Will homeowners insurance not cover a child's stolen motorbike and only ATVs if they service the property?
you are correct homeowners will not cover a motorbike, that is a policy by itself. as for the ATV, it would have to be used for farm or other type work, not personal, to be covered on homeowners. again, ATV insurance is a policy of its own as well.
Is accidental injury at home covered by health or homeowners insurance?
Accidental death of the homeowner, and his/her immediate family (brother, son, father, wife, etc.) is NOT covered under homeowner's.It is probably not covered under health insurance, either. Any medical bills created by the accident should be covered under health insurance.Accidental death of a person visiting one's home MAY be covered, but usually only in a very small amount - $1,000 or so.If someone in your household has died, check to see if he/she had any life insurance. Sometimes, their employer may have provided a policy, so them with them, as well.
If you hit your house with your car will it be covered by home owners insurance?
This has actually happened to people who are insured with our agency, and yes, it is covered under your homeowners insurance. Bear in mind that you will have to pay your deductible on the home insurance, and that damages to the car would be covered under the car insurance if you have collision coverage on the car, and a deductible will most likely apply here as well. If you do not have collision coverage on the car, then you will need to pay the full cost out of your own pocket to get the car fixed. We also recommend that you expect to be cancelled later if you do this more than once. ;)
Can you choose how much coverage you want for homeowners insurance or does the insurance company have the right to drastically increase your coverage without your approval?
It is unlawful to intentionally under insure your home. Your insurance company is required to review your homeowners policy regularly to insure that you are properly insured and that your homeowners policy is in compliance with the law as well as the terms of any associated mortgage note.
Does homeowner's insurance cover loss of a well due to nearby blasting?
No, Homeowners insurance does not warranty the production of a well on the property.
Are renters covered under home owners insurance I own a home and rent it out the tenant slipped and fell on the hardwood stairs is his medical and hospital bills covered under my home owners policy?
No, your renters medical bills are covered under their own major medical policy. Should your tenant sue you and you have the appropriate Landlords Dwelling Policy coverage with liability, your insurance company would cover the cost to defend you in court as well as any judgment rendered up to your policy limits should you be found liable for the tenants injuries. If you have only a homeowners insurance policy and failed to endorse your property insurance coverage for tenant occupancy then your home insurance is null and void and will not provide coverage for you at all.
Will homeowners insurance cover sump pump water damage?
No, unless it was hit by lightening. They will send out and engineer to pick up the pump after it has been pulled. They will then test it and give you an answer.. $1200 for pump and $500 for labor is what I was quoted. 3-18-2012
Can mental disabilities be covered under long-term care insurance?
disabilities are not confined to these physical situations; they can be mental as well
