Yes, Your homeowners Insurance policy, (unless you have Fire Only) should respond to damages to your home from an automobile.
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i am an insurance agent and if you have a hit and run such as that description and you do have a homeowners policy. it will be covered under the policy, you will have to pay your deductible and it will go onto your records as a loss but they will pay the damages that are above your deductible, now they will have to prove that it wasnt one your cars doing the damages so you can get a new brick wall and that it wasnt because your wall was old and just fell. and trust me they have their way of proving that.
Homeowners insurance covers what is inside the home. Check your auto insurance for auto damages.
No. Your policy will only cover damages which were caused by a covered loss during the policy period.
Most homeowners insurance policies cover repairs caused by storm damage, however you will have to check your policy to be certain. Usually, you will have a fixed amount of time to claim damages.
No. If your house been built fairly recently, then the contractor who built your house may be lible for damages. If he is a licensed contractor, then he will (should!) be bonded, which should cover the damages.
No. Your Homeowners insurance is "Property" insurance. It covers property damages caused by certain covered Perils such as Fire, Wind, Hail, Lightning, Fire etc. You will not find coverage on your Home Insurance Policy for death or related expenses.
Automobiles are covered by Auto Insurance. If you have full coverage auto it will repair any damages caused to your vehicle by the shopping cart, minus your deductible of course. Homeowners Insurance does not cover automobiles, if it did, we would have no need for car insurance.
Not if the person lives in the home. An insured cannot be liable against themselves.
It will ultimately depend on the language of your insurance policy, Damages resulting from our choice of pet ownershp are typically not covered. This is because your home insurance is designed to cover losses that are accidental, unplanned or unexpected in nature. Damages caused by pets are generally considered a normal and expected part of pet ownership.
Homeowners policies typically do not provide coverage for damages or losses caused by floods, earthquakes, and normal wear and tear.
most of the time they will only damages caused by the bad repair not the repair itself 1. Read your policy 2. Call your insurance agent and ask THEM.
Yes, Homeowners insurance typically does provide coverage for losses that result from an accidental fire.
The neighbor should be held liable for damages caused by anyone or anything that resides upon his property whether or not it is included in the homeowners insurance. You can file a complaint with the local animal control agency in your area.