Posts Tagged ‘covered’
Whta is home contents insurance for exactly?
my policy says laptops are now covered: covered for what? if i get burgled or if i break it?
Answer:
The laptop would be covered against perils listed in your policy. The basic perils covered would be fire, wind, etc. Theft may or may not be covered as it depends on your policy.
Can I purchase a car, and tow it home without insurance?
I want to purchase a car from a small car place, the man puts 30 day tags on it and mails the title to the DMV, but my father cant get off work to come put insurance on the car for me. So can I buy the car there, have the title put in my name, but have the car towed home and stored off the street until I can add it to insurance and get my own tags? or is it illegal to tow a car without insurance on it?
Answer:
Have your dad call his insurance agent, if you are covered by his insurance on another car most policy’s will cover you for the drive home and for a few days…. But have you dad check first
whats included in home insurance contents cover is my lawn mower covered against accidental damage?
Answer:
You’ll need to check your individual insurance policy, but if you have got accidental damage, then it’s likely that you are covered. But, as per the answer below, you’ll need to check your policy excess. £100 excess is quite standard, and you may lose a no claims discount. For the best advice, ring your claims helpline.
Does home insurance pay tickets?
like for4 not mowing the lawn or leaving the trash cans out. What does home insurance pay for?
Answer:
NO. It does not pay for fines. Homeowner’s insurance pays for loss such as fire damage (not arson by owner), hail damage, theft, etc. There is also a deductible, which is the amount you have to pay out of your pocket before the insurance pays, so if you had a 0 deductible, the insurer would only pay for covered losses above the first 0.
Fines are out of your own pocket … it’s a lot cheaper to just mow or hire a neighbor kid to mow for you.
What type of home owners insurance is recommended?
Answer:
Contents and Additions & Alterations
Items that you can pick up and take out of the home are classified under ‘contents’. Anything ATTACHED to the structure (i.e. plasma tvs, lighting, kitchen cabs/appliances) are covered under your ‘additions & alterations’ also known as ‘replacement cost’(depending on the carrier you have. Typically people carry about 50% of the replacement cost for their contents, unless they have something of high value.
Certainly there are other riders that you should buy if you have certain items, such as jewelry, fine art and antiques. They are covered under your contents, but placing them on their own rider won’t eat up your contents limit should a total loss occur and sometimes the rate is lower on a separate rider and they typically cover changes in the item’s market value instead of actual cost.
I got burned on friend’s oven, Is this covered under their home owner’s insurance?
I was burned on frien’d oven. It was a second degree burn, and I was taken to emergency room. I do NOT have health insurance. Is this covered under THEIR home owners insurance? If not, what could it be covered under? Help.
Answer:
They most likely have a provision under their homeowners policy called “medical expense reimbursement”. This is when a visitor (you) comes on the property and is injured due to no negligence of the homeowners. If there actually was negligence involved then you would have to file a claim under the liability portion of their policy. Under the medical expense reimbursement you have no option for pain and suffering…JUST medical bills. One thing to keep in mind, the medical expense reimbursement is a nominal amount…usually only 00 – 00 so if your injury was major, you will still have to file a claim and prove negligence. Hope this helped.
Can I claim winter damage to landscapeing on home owners insurance?
Some heavy/icey snow fell the other day and it appears there may be some permanent damage to the bushes.
Answer:
Sure you can claim it. It’s not COVERED, though.
should i get home insurance as a home owner or a rental ?
i own a house and i rent out part of it . i pay about 925 per year. i am moving out of state should i switch to “rental property” rather then owner occupied insurance ? which one is better or cheaper
Answer:
if you have a loan on the property you have to keep insurance on it anyway. i would switch to rental property insurance. it is a little cheaper and your investment will be covered if something should happen in your absence.
does home owner insurance cover tree branches breaking and need to be cut down?
have state farm – wind snapped a good size branch do i call them? or do i just call tree people to cut it out?
branch is 20 feet up and over garage and power lines
Answer:
I seriously doubt that it will be covered by insurance. It’s considered maintenance. Now if the tree limb had damaged something, they would pay to repair that damage minus the deductible.
Do not attempt this on your own. Especially with the power lines so close. Death is a real possibility here. Not all tree trimmers are certified to work around power lines. Some can trim trees around the lines and even fewer can take a tree down that is near power lines. And you, the consumer, will pay a higher premium for that extra certification.
Any company worth their salt will come by and give you an estimate. When you call, ask if they are certified to work around power lines. Laws, rules and regulations vary from state to state. They are really strict about it here in PA.
Part of homeowner maintenance should include an inspection of all mature trees on the property for issues every couple or three years. Not only will you save claims on the homeowners insurance, your trees will be healthier and look better. Resist the urge to just have the branch taken care of if the tree is in need of other work. It probably wouldn’t cost that much extra to get everything taken care of in one swoop.
But I will warn ya, it’s not gonna be cheap……….
Does insurance pay for flights home after surgery?
My dad is getting back surgery and he is getting it in Chicago and we live in Detroit…Will insurance pay for a flight home for my dad?
Answer:
No.
If your dad is choosing to have surgery in another city, then he is responsible for the transportation costs to and from that city.
The only type of transportation that is generally covered by health insurance is emergency/medically necessary transport, and even then there are limitations to that coverage. For example, air ambulance/helicopter services are generally only covered in a medical emergency being taken to the “closest available hospital that can accept your case”. (Not the hospital of your choice – the closest available hospital that can handle your emergency.)
You can call the insurance company to confirm if you wish, but I’d say there is just about a zero percent chance of having that type of transportation covered. Sorry.