Home Insurance Forum

• If there is an accidental death in a household by a member of that household, what will a homeowners policy cover?
• I told the agent that this was a false statement. His response to me was "don't worry about it." Can this come back to hurt me if I ever have to file a claim?
• Can he make any claim against his friend's homeowners insurance and will this cause the insurance premium to escalate?
• Is it state law in Texas that homeowners insurance can not pay a claim for 45 days for a home that burned if there is an arson investigation - even if the investigation does not center around the owner?
• I just bought a new ATV (all-terrain vehicle), and it was stolen out of my garage. Will my homeowners insurance cover the loss?
• Is there any reasonable way to decide whether I should get water or sewage backup coverage?
• Who could I get insurance from with bad credit? I have nice things - a computer, TV, stereo, not to mention the engagement ring - that I would like to have covered.
• My husband and I filed for bankruptcy in 1996. We need to renew our homeowners insurance and wanted to go with another company. Will we be denied insurance because of this?
• What should I be looking for in homeowners insurance besides fire and hazard coverage?
• Back in June, my mother-in-law borrowed my camcorder, a 35mm camera, and all my accessories, to take on vacation. While on vacation in Virginia, her vehicle was broken into, and all my equipment was stolen.
• Does homeowners insurance cover broken pipes and what is the procedure to file a claim?
• Despite informing my former broker to cancel our policy, no refund for the balance has been sent. Who do I approach to assist us in obtaining the refund due?
• My policy was canceled for "increase in hazard or material change" in the risk assumed by the company. Will I have a problem getting insured now?
• After making several claims, I can find no other insurance company to write me a policy. Is there anyone who will write a policy on my home?
• It is my understanding that no other company will write a home owners property on the water anymore. Is this correct?
• Unknown to me and through my own error, my homeowners was canceled at the end of August. What company is easiest to deal with under these circumstances?
• We have had some unfortunate luck in our house over the past 18 months resulting in four claims totaling approximately $10,000. We have now been dropped by our existing home insurance carrier.
• Is it legal for my homeowners insurance company to cancel the part of my insurance policy that covers any damage that might happen from or due to a hurricane?
• A car in my driveway was damaged by a fallen tree limb. The person who owns the vehicle resides in my home. The car is not insured due to extensive and time-consuming mechanical repair. Will my homeowners cover the damage? My policy has a $300,000 rider for other property.
• If something should happen to my motorcycle and sports car while they are in my garage, are they covered under my homeowners insurance?
• How can I get my insurance company to pay the full cost of my water damage?
• Can insurance agents ask about homeowner policies that were canceled or nonrenewed?
• If an insurance company never asks about a past claim, do I have to tell them about it?
• Isn't there a time limit on how long it takes to settle an insurance claim?
• How can I clear my insurance history and how do I get insurance for my house?
• With the growth in home computers and the ever-growing risks of computer-file loss and failed backups, why don't carriers insure home computer files and databases?
• Insurance covered my carpet replacement, but my condo association only wants to pay cash value. Am I within my legal rights to demand the full replacement value amount, which has been paid by the insurance company?
• If I am renting out my condominum and I own and live in a house, does my homeowners insurance from the home I live in cover injury to my tenants that live in my condominium?
• Is this the maximum insurance coverage one can expect under damage to another's property or is there better coverage from other companies?
• I had a grease fire in my kitchen several days ago. Is is best to allow the contractor recommended by the insurance adjuster to handle all the necessary repairs or should I find my own contractor?
• Is there a simple rule of thumb that specifies what percentage of the property value is enough to cover the basic structure (excluding personal property)?
• If we can find a legal definition that states that cattle are not domestic animals, the insurance company will accept the claim. Can you help?
• How can I purchase insurance to pay off my loan in case of death?
• The fire department estimated the damage to be at least $10,000 - shingles must be replaced, along with gutters, soffits, and so on. Allstate has given me an estimate of $4,400 for everything.
• Can we press for indemnification for our deductible from the neighbor's insurance company if a fire on their property burned part of our house?
• What can a homeowner do if they discover their homeowners insurance settled with another policyholder on the same type of claim for which they were denied coverage?
• Do I have to notify my carrier that we now have a dog? If so, can they raise my rates or drop me at renewal because we now own a dog?
• What insurance policies are available for liability coverage of a pet?
• Is a dog exclusion enforceable under the law?
• Does homeowners insurance cover dog bites if I took my dog for a walk, or just on my property?
• Will most insurance companies refuse to issue a policy without the agent collecting the downpayment up front or generally will they issue a policy and bill for the downpayment?
• Whose insurance do I file against if My property has slippage from a neighbor's drainpipe?
• 98 percent of the homes in South Carolina do not qualify for earthquake insurance. Does anyone or the U.S. government offer earthquake insurance when a major carrier will not?
• We recently found out that our property has a conservation easement with approval for a public path. How will this affect my liability, and how much more insurance should I get?
• Most insurance companies will not insure it because the electric service is 60 amps, and the home uses fuses (instead of 100 amps and circuit breakers). What is scaring the insurance companies?
• Would State Farm pay my electrical claim if noncode repairs which caused the problem were made before I bought the house?
• Does homeowners insurance cover the loss of an engagement ring? If so, must it be documented with an appraisal by the insurance company?
• Does my homeowners policy provide coverage for a leaking underground storage tank? Is there any specialized coverage for environmental incidents?
• If a person trips and falls while carrying something and that something is destroyed or destroys something else, is that covered under my homeowners insurance?
• Is there any precedent for settling claims for under-insurance on contents coverage due to the agent's lack of explanation and poor advice on telling us what to insure the home for in the first place?
• We would like to get our fire insurance claim settled. Is there a reasonable amount of time the insurance company has to settle a claim?
• My home was recently destroyed by a fire. My insurance company is requiring a detailed, itemized list of items that were in the home. Is there anywhere I might find a general list of items that would be in a home to jog my memory about items that I might have forgotten about?
• The repair company wants to settle with us but I feel that they lied to us.
• What can we do when companies turn us down for bad credit history?
• Does homeowners insurance ever cover any of the cost of foundation repair, and if so, under what conditions and to what amount?
• I will pay my mortgage off in two months. I would like to switch to a consumer-friendly company. Where can I find one?
• Are there any property/casualty insurance companies with a particularly good reputation for serving the gay and lesbian communities' home, auto, and personal inland marine needs?
• My son wants to purchase a go-ped (motorized scooter). Is liability arising out of the use of the go-ped covered under my homeowners policy?
• I'm interested in learning the effect that guns have on homeowners insurance. Do you pay more for homeowners insurance when you own a gun? What if you own multiple firearms?
• Do they have to be the owners of the property in order to have the damage repaired and the insurance company to pay for it?
• My house, damaged by hail, needed siding replaced, but after the assessment of a company claims adjuster, State Farm chose to replace only some of the siding-- in a different color. What can I do?
• I have paid for homeowners insurance, and now it seems worthless if they are not going to cover something they said they would cover when we signed the policy. What can I do?
• Are home hazard insurance premiums tax deductible?
• I was just curious as to who invented, discovered, or just plain thought of the idea of insurance? Is it something that had to be patented or trademarked or something?
• I read that the HO-5 - Guaranteed Replacement Cost on the Dwelling - policy is no longer available. Is this an industry-wide decision?
• How should I insure my in-home office and home-based business? I am a consultant visiting and training large companies but I do my prep work and research at home.
• I recently had a fire in my home. Extensive damage is present, both structural and personal items. What is the entire procedure from the claim process to renovation of my home?
• Will my homeowners replacement policy cover the newly finished basement of my house that burned down if I hadn't notified them of the project?
• As a consumer, do I have a right to get estimates?
• Is there a better way to create a home video inventory, perhaps using the new digital cameras? Does anyone offer this service?
• Is Allstate entitled to do inspections on properties whenever it wants, or only upon request for changes in coverage? I am not a new client, nor is this property new to Allstate.
• Now that I have paid off the mortgage, I do not have insurance. I have been told by every company I have tried that, because my policy lapsed, it will be hard for me to obtain new insurance.
• Would my homeowners policy cover me in the event my pool burst, due to a fallen tree or some other accident?
• Our neighborhood experienced 20 minutes of marble-sized to golf ball-sized hail. State Farm inspected the roof and stated that "loss of granules" is not hail damage and only offered to pay 50 percent of the composition roof damage.
• This carpet is a little over a year old, and it was not matted nor did it smell like mildew before this water damage occurred. What can I do now to get this problem corrected?
• How does the homeowners policy treat motorized bicycles, both section 1 and section 11?
• Do I have to carry mortgage insurance on my home after living there 20 years, and how can I get it removed?
• Does mortgage insurance cover cases where the homeowner cannot pay the mortgage because of injury? If it might, how does one find out to what extent the insurance applies?
• I have Nationwide Insurance. We just had a bottle of nail polish break all over our den, ruining the carpet. Is there any chance that our homeowners insurance would cover the damages? I have tried to have the carpet cleaners remove the stain.
• My oak tree fell on my neighbor's house during Hurricane Irene. Whose insurance company is responsible?
• Can my neighbor be sued under her homeowners insurance for the physical damage to my property and emotional distress?
• If he were injured, who would have to pay and what coverage, if any, on a homeowners policy would protect her from such an event?
• Will this hurt our ability to insure our new home with a different insurer?
• State Farm is canceling my homeowners insurance effective Dec. 2. They say the house needs painting - which is not true. Is there anything I can do about this?
• State Farm is not renewing my policy because of weather-related claims. Are they allowed to not renew even if the damage and claims have been no fault of mine?
• I recently had a large claim of $17,000 for a lost wedding ring against my homeowners policy. After the claim was paid, I was informed that General Electric Insurance would not be renewing our policy.
• I have an open claim on my renters insurance policy. I am going to be closing on a new house soon but our insurance company has denied me homeowners insurance, as has another company. What should we do?
• I never signed my homeowners policy. Is this necessary for valid coverage?
• My 85-year-old uncle allowed his homeowners insurance to lapse as he could not afford the premiums- what can we do now?
• My company's agent says the previous company should pay for the damage. Who should pay?
• Can I file a claim against the insurance company of the previous owners of my house? If so, how do I find out who the insurance company was?
• The previous owner of my house did not disclose the condition and history of the property. Do you know who I can contact to get more information on the cause of flooding and more details?
• How do I go about getting rid of my private mortgage insurance (PMI)?
• The truck driver who crashed into my house has no insurance, but State Farm won't accept my estimates. We repaired our home but they won't pay the total bill.
• After the initial signing of a policy, how long does an individual have to cancel that insurance policy and how long does the agent have to refund the check?
• My homeowners policy is being canceled because of repairs that need to be done to my home which will be very difficult to complete in the one month before coverage is terminated. What can I do to get coverage while I make the repairs?
• Don't I have the right to ask for a replacement of equal value instead of repair?
• My father-in-law was told he needs to have his house inspected and remodel the plumbing and other items to bring the house up to current code. Can insurance companies require this?
• Are home replacement cost guarantee and building structure reimbursement the same?
• My insurance company refuses to insure the property for less than its figure for replacement costs- can they do this?
• I recently got engaged and would like to insure my engagement ring. My homeowners insurance does not offer the option of writing a floating policy. How can I insure my ring?
• Can one person bring a class action law suit against his insurance company as a plaintiff?
• Would I be covered if I suffer a loss due to a mistake made in one of my repairs?
• Plumbing back-ups are not covered. Are these typical exclusions? Are there policies that don't have these exclusions?
• My home is 10 years old, why should I purchase sewer back-up coverage?
• If a person skiing is seriously injured after being run into by another skier on a ski slope, can they make a claim with the skier's homeowners policy?
• My home was built on stilts to prevent it from being flooded - per local code standards. Why would I still need flood insurance?
• My insurance company doesn't want to give us the appraisal price for a stolen bracelet, only the price for another similar one.
• What prevents me from including items I never actually had? Not that I am going to be dishonest about this, but what can a company do if I do not have any receipt, except to take my word?
• How is replacement cost figured for an item such as a laptop? If depreciation is not taken into account, shouldn't I receive about as much as I paid for the machine when it was new?
• Do any carriers place a surcharge on homeowners policies? If so, what are they?
• Is a settlement from an insurance company for a home fire taxable? It includes contents and loss-of-use proceeds.
• Is it legal to cancel somebody just because they file a claim and, if so, then what is the point in insuring your home?
• Why should I buy owners title insurance?
• My toilet broke, and the claims adjuster says they will only pay for half the carpet, and touch-up painting. What gives?
• Will the tools be covered even though they were purchased under the business' name (for tax purposes)?
• What recourse do we have when a gross difference exists between what the adjuster pays us for the repairs and what the contractors are estimating my repair costs will be?
• I want to sue my insurance company, stating the tree is covered and any damage it causes is covered. Will the liability section cover the damage?
• Is the removal of this tree an item covered under my homeowner's insurance policy?
• I rent a home in West Virginia and the landlord has homeowners insurance. Will his insurance cover my car? It was parked in the driveway when a tree from our yard fell and totaled it!
• The new siding will not even come close to matching the old siding! Is this a normal practice? Our contractor says "no" - most firms he deals with pay 100 percent.
• I recently asked Allstate for a quote on a $1 million umbrella policy. They said unless I could show a valid financial reason why I wanted this, they would not write me a policy. Have you ever heard of this before?
• How can I unbundle, reduce my cost, yet retain all three types of insurance?
• What company will cover my personal property from vandalism in my primary residence while I am away for extended periods of time (two to six months)?
• Should I insure my house for the full value, or the market value minus the value of the lot?
• Do you know of any companies that actually offer "vicious dog insurance"?
• My wallpaper was damaged by carpet-cleaners who want to settle the claim for less. How can I appeal?
• My furnace is relatively old, and needs replacing. Is this anything that might be covered in my homeowners insurance? And if so, what is the likelihood they will cancel me for making a claim?
• A water tanker truck had an accident in front of my house. It spilled a lot of water and some of it went into my basement.
• I feel it will devalue the price of our house to have parts of the carpet replaced without replacing it all. Could you please tell me how to handle this situation?
• If the insurance company had sent an agent out within a day or so, he could have seen the damage himself instead of waiting one-and-a-half weeks. Is this normal procedure?
• What steps do I have to take to make them pay my claim?
• How do I economically insure my detached workshop and its contents beyond the 10 percent coverage included in my current dwelling insurance?

Back to Articles Site Map

Back to Site Map Main

Back to Home Page