no it has nothing to do with your grill cause its homeowners insurance.
No it doesn't
Typically, no. However, your car insurance may.
Your Health insurance.
That depends on your insurance provider. Easiest way is to ask them.
Yes it normally does.
Homeowners insurance does not cover the normal and expected maintenance costs associated with home ownership.
No. Your homeowners policy does not cover appliance maintenance issues or degradation due to normal wear and tear
no - wear, tear is not covered and also defective equipment is not covered. a homeowners policy is not a home warranty
No. Homeowners Insurance does not cover the owners default on a mortgage note.
No. It's considered wear & tear.
Most Home Insurance Policies do not provide coverage for cracked or broken concrete structures such as sidewalks, patios and driveways as this is considered normal wear and tear. You should contact your Insurance Agent for clarification.