Question Submitted 1/10/2013
If personal property of a guest is destroyed by a pet, does home insurance of either the homeowner or guest normally cover the loss?
You will need to check your homeowner's insurance policy or that of the guest to see if the policy covers damage from pets.
Pet damage may not covered by homeowners insurance. A significant number of homeowners assume that their homeowners
insurance provides blanket coverage against losses incurred on their
property. This can be a costly assumption. To protect their
investments, homeowners need to understand what kinds of damage are
covered by their policies and where they are exposed to risk. They
should then ask their insurance agents what types of additional
policies, riders, and endorsements are available to safeguard their homes against disaster.
Question Submitted 5/28/2013
I had homeowners insurance, but before the expiration date, I quoted for another company because My insurance company doubled my policy to more than $1000, so before the expiration date,my paperwork and change with my Mortgage company was in place. So happen the Mortgage company paid the former insurance company (Allstate) for the year. I have emailed Allstate of the change and faxed the necessary paperwork (Declaration/Cancellation Letter) to Allstate, but they are claiming they never received paperwork. I have confirmation of fax, so I know they received everything. I even emailed the Cooperate office of Allstate and they keep saying go thru agent and I did. I know they do not want to send the money back, but they have to. My new policy was in place before deadline for Allstate. What can I do to get my money back for my escrow.
You can file a complaint with BBB at bbb.org and with your state Division of Insurance.
Comment Submitted 7/15/2013
Can my insurance company refuse to renew my policy because of two small storm related claims in a year. Never had claim in over 6 yrs. before. First claim was for a new roof due to hail damage 8,000 dollars. Second claim a yr later was for assorted damage of about 4,000 dollars from a close call tornado.
Comment Submitted 10/12/2013
My insurance company ( and I think most) writes my howeowners policy as a HO-6 which is for Condos, not PUDS. And since the state of California just allowed them to raise the price of Condo ( HO-6) but not the price of single family home insurance, my insurance is going up 29.66%. INstead of down like single family homeowners.