Homeowners Insurance Questions & Answers
Can homeowner request insurance interrupt reports to in that component?
I’m the owner of a Beautiful Condo in VA bottom floor, and the owner upstairs blew a water pipe and her hot sea enter my unit through the ceiling for several hour, she could not stop the leak for hours. My tenant called me at approx. 7:00am VA time saying within…
Can homeowners insurance be claimed as a estimate if you itemize?
I read somewhere that homeowners insurance was deductible, but my tax guy have never mentioned it and we’ve never taken it as a deduction. Just thought I’d check. It isn’t deductible unless on a rental house. No, it’s not. Source(s): agent, 21+ years homeowners insurance is…
Can Homeowners Insurance Premuims be deduct on Taxes?
We built a home in 2006, I was of late doing my taxes online and it has a place to enter homeowners insurance premiums. My question is are they deductible? Insurance i.e. paid to insure my home and its contents? Thanks NO.. unless the home is a rental property when it would…
Can i claim a broken Laptop on my Homeowners insurance.?
I recently dropped my laptop and damaged it pretty desperate. I was wondering if that is something i can claim on homeowners insurance? If you have accidental mischief cover you may be able to. Depending on the value of the laptop you may also enjoy had to list…
Can I collect on someone Else’s homeowners insurance for pool injury?
Hi, I was swimming at my my friends neighbors house, in their in-ground pool. The pool is not chlorine, they use saline and enzymes instead. We did not notice the dead mouse surrounded by the pool. I tried to get out when it was distinguish and slipped on the…
Can I craft a claim beside my homeowners’ insurance if my potent date be a few days ago?
I live in the 2nd floor of condominium and my water electric fire leaked all over the component below me. I don’t have homeowner’s insurance when it happened but I purchased one yesterday. Do you give attention to it’s okay to…
Can I directory a claim against my neighbor’s homeowners insurance?
While helping my neighbor hanging Christmas lights on his property, I fell off a stepladder while trying to get up on the roof. I sustained a dislocated ankle, and a fracture. I am out of work for 8 weeks due to the injury. Can I file a claim,…
Can I directory a homeowner’s insurance claim on this?
Hi. I need help, and my insurance company only just lets the phone ring…so does my condo management company…so any facilitate will be appreciated! My downstairs neighbor’s ceiling under my toilet fell down a bit–the cement is exposed now. He say he doesn’t have homeowner’s insurance (even though he owns…
Can I enjoy 2 mortgagees planned on my homeowners insurance?
I have a mortgage loan. I also have a HELOC through my credit league. On my homeowners ins, I currently have this mortgage company listed as mortgagee. My credit federation wants to be listed as mortgagee. I can enjoy 2 mortgagees on one homeowners ins policy? Yes; however when a check…
Can I put my homeowners insurance lower than my wifes identify?
My house caught fire 4 years ago and I have been screwed on insurance ever since (understandable). My home owners insurance lately went up another 0.00 this year for no reason. I get married 1 year ago, is it possible to file for new homeowners insurance uder her signature?? …
Can I record homeowners insurance claim?
During a get together on Superbowl Sunday in my home, one of my friends fell and land on another friend, and broke her foot. The injured friend is an ICU nurse and has been out of work ever since. She is have a hard time paying her bills on her payments from State Disability. She…
Can I Recover This Loss From My Homeowners Insurance?
Last week I was in Madrid, Spain. My husband & I be robbed. The thieves took 00 in lolly that my husband had in an envelope. We call the police from a nearby emergency phone. They did a report & I have the report support here in the…
Can I relocate my homeowners insurance agency?
Well, I was reading online about adjectives that my homeowners insurance agency, Farm Bureau, and found that they have been frauding thousands of clients after they file claims of home damages. Basically, their customers have suffered fires, storm damges, and other terrible things, but Farm Bureau have been using delay strategy and wind…
Can I report a sea worn out mac lower than homeowners insurance?
So here’s the deal: My roommate pushed someone walking into my room while they were holding a marine pitcher. It spilled all over my computer and caused plentifully of damage, over 0 worth… It really was an disaster cause he couldnt see that he was holding the marine…
Can I report my lost digital camera to my homeowners insurance?
I lost my 0 camera is there a way I can report to my homeowners insurance to draw from reimbursed for it? Unless you own the camera scheduled on your policy to cover loss by misplacing OR if you have an HO-5 form, after it’s not covered so don’t…
Can I still net homeowners insurance claim?
This is probably a stupid question, but I thought I’d ask anyway. 2 Years ago I bought my first house. Last fall (October) the vein that goes to the dishwasher burst and flooded my house for several hours while I was at work. I call my grandparents for advise and they told mto…
Can I tag on closing cost, homeowner insurance, and property toll to a home loan?
Probably the property taxes but I think they will struggle to allow the insurance on the mortgage. Perhaps on a second loan or just pay packet the insurance monthly. Homeowner’s insurance and property tax are annual payments and not quantity of your loan principal. …
Can ii bring back another camera and 2 ipods if they own be stolen ? using warranty or homeowner insurance?
Somehow all 3 i had a sony digital camera my brother have the new video nano and i had the older nano that dissapeared from my house but i think warranty doesnt cover stolen items. but my question is if i…
Can ii find another camera and 2 ipods if they own be stolen ? using warranty or homeowner insurance?
Somehow all 3 i had a sony digital camera my brother have the new video nano and i had the mature nano that dissapeared from my house but i think warranty doesnt cover stolen items. but my question is if i…
Can mischief from renters be claimed beneath homeowners’ insurance?
We are considering renting out our home. If damages to the property greatly exceed the renter’s deposit, can it be claimed under the owner’s homeowners’ insurance? I doubt it, but you can pursue the tenant through the court system to collect the amount if it is greater than the deposit….
Can my homeowners’ insurance be at variance than my coup¨¦ insurance?
Silly question, but just considered necessary to know. Also, I have two pit bulls and was wondering which insurance agencies do not hold dog restrictions. I have Nationwide car insurance and I would own to take my dogs to obedience academy to have homeowners with them and my…
Can my homeowners insurance co repay a claim and consequently try to verbs their money via another lawsuit?
When my son was living with us he be involved in an altercation with a neighbor. That neighbor is in a minute suing us via our homeowners policy for injuries he sustained as my son was defending himself. No arrests were made, but…
Can my homeowners insurance REQUIRE receipts for everything taken during a break-in?
I recently had my vehicle broken into in front of my house, as did 7 other neighbors. We had several items taken: Zune, baseball tickets, passport, wallet, hubbub canceling earphones, sunglasses, prescription glasses, see (I know it was dumb to have that much stuff surrounded by the…
Can my settlement check from homeowners insurance claim be canceled?
I filed a claim on my homeowners insurance few months ago. I had a contractor surrounded by mind who ended up working with the insurance adjuster to go and get to an agreed $ amount. I found a different contractor who could do the same amount of work and…
Can my steps sons father sue my homeowners insurance for a dog bite his son get? My wife have custody.?
My step son lives here, was bit by our dog, the dog was put down and adjectives cost have been rewarded. There are no longterm problems with my stepson. As far as me and the wife are concerned…
Can one homeowner go and get home owners insurance claim processed short the other folks signature.?
Maybe. It depends on who owns the house. If you both own it and are trying to buy it, the best way is to get the other party to sign the applicaiton. If you are talking about a claim instead, nope….
Can one purchase a proprietor insurance policy and subsequent join a homeowners insurance policy?
If you are tlaking about a low rise apartment building, or a quadplex or higher building, no. If you are discussion about you have purchased a home but it is settled by tenant’s who will be leaving in a few months when the lease expires, and…
Can someone grant me a enumerate of
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Can homeowners insurance be claimed as a deduction if you itemize?
I read somewhere that homeowners insurance was deductible, but my tax guy has never mentioned it and we’ve never taken it as a deduction. Just thought I’d check.
Homeowners insurance is deductible if it insures a rental property. If you are taking a deduction for office in the home, then a proportional amount of your homeowners insurance would be factored into the deduction.
Categories: homeowners insurance Tags: homeowners insurance, insurance, Rental Property, Tax Guy
Will my home insurance pay for tree removal?
I have a rental property which has five 40ft gum tree’s down the back yard. Someone has drilled them all and poisoned them and their all dead and need to be removed. Because this is a criminal act of Malicious Damage which has happened on my property, will my general home insurance cover me to have the tree’s removed?
I cannot give you an answer, although I can tell you what happened to us. There was a large pecan tree on our property line. Clearly a hazard tree as its limbs hung over our home. I had contacted our insurance company. We had no claim, therefore no money. A large limb fell out and punched 2 holes in our roof. I called insurance, they sent an adjuster. He immediately noticed the hazard…….and also noticed several other small repairs had been required as the result of the hazard tree. He gave us a complete new roof. Which was not necessary…..although it gave us enough money to have the tree taken down. It’s a backasswards way of getting something accomplished……..but hey…..how else do you deal with an insurance company?
Categories: home insurance Tags: Back Yard, Criminal Act, Gum Tree, Hazard Tree, Holes, home insurance, Hung, insurance, Insurance Company, Insurance Cover, Malicious Damage, money, Pecan Tree, Property Insurance, Rental Property
What is the best insurance coverage for the second home condo use for seasoanl rental?
The condo has flood insurance, but I was told to purchase the coveage, I guess liability inside my unit. What is the inexpensive and reasonable coverage?
You NEED full liability insurance. The amount should be enough to protect your Assets. If some one hurts themeself at your rental property, there needs to be enough insurance, so that they do not come after your assets. If you have a standard (150/300 or 300/500) on that property, you might be able to get an umbrella to extent all of your coverages ( your primary as well) to a million or more. You also have to check with your insurer to make sure that the fact that this property is rented does not invalidate it for the coverage you are purchasing
Categories: condo insurance Tags: Assets, Best Insurance, condo insurance, Condo Rental, Extent, Flood Insurance, Guess, Home Condo, insurance, Insurance Coverage, Insurer, Liability Insurance, purchasing, Rental Insurance, Rental Property, Umbrella
Home Insurance?
I plan to turn my first single home into a rental property. Do I need to report the insurance that I will not live in that house?
You definitely need to notify your insurance company. The property will no longer be owner occupied & they can deny a claim. You will need to get a DP3/landlord policy. Your rates WILL NOT go down because the risk is higher. No one will take care of you home the way you do. Tenants increase the risk.
Also, you would Never be liable for the personal property of a tenant (except if you were completely negligent). However, as a landlord I would require your tenants to carry a renters policy simply for the Liability portion of the policy. Liability is the coverage that protects you from you tenants or your negligence. Like, if you were at your property one day to do some yard work & left the hose out on the sidewalk & the postman trips over it. He would probably sue you. Liability covers that. I would suggest no less than $300,000 per occurance. It’s usually pretty inexpensive (around $40.00 a year) to bump it up from $100,000.00 to $300,000.00.
FYI: The insurance company probably would not deny the claim but after the claim was closed they would most definitely set you up for non-renewal. That looks very bad when shopping for a new company. One of the questions will be: Have you ever been non-renewed & why?
Hope this helps
Categories: home insurance Tags: Amp, home insurance, insurance, Insurance Company, Insurance Plan, Landlord, Negligence, Occurance, Personal Property, Postman, Rental Property, Risk, Shopping, Sidewalk, Single Home
Whats the difference between home insurance and rental insurance?
for my rental property? Is it a good idea to switch home insurance to rental insurance when a tenant is living in my rental property just in case if they smashed some holes on the wall, or some damages on the property? Where i can compare home insures?
Thanks!
You need to change or they will not pay if you have a claim. Holes are not covered, neither is most tenant damage. But, you still need fire damage, weather, etc etc.
Also, if you are going to allow animals check your policy, they are not likely to cover your property if you allow any dangerous animals.
Try this site
http://best-home-insurance-comparator-usa.blogspot.com/
Here you can get quotes from different home insurance companies in your area, its the best way to find an affordable home insurance with a reliable company.