Does homeowners insurance cover an uninsured person?

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My agent in MD (at the time-10 yrs ago) advised me that my homeowners insurance would not cover workers who by law were supposed to be covered by worker's compensation. I had a very skilled, reliable friend who would have installed a large roof for me for half the price of a fully licensed contractor who gave me proof of being in compliance with all licensing and insurance requirements.
To the best of my knowledge in the three states in which I have lived, maintaining a valid contractor license does not include a requirement to maintain valid worker's compensation insurance.
The chances of having a serious problem in these issues is relatively small but the risk of paying the expenses of someone seriously injured (maybe for the rest of the injured party's life) is huge.
On another question site, a person said that they had a special insurance policy to cover the risk of having others do work on their property but I have not been able to find a company that sells anything like that person described.
If you search "worker sues homeowner" you will find numerous articles to read about. I read of one where the hospital sent their big bill directly to the homeowner after it became clear that there was no other means of getting their bill paid.
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Does homeowner insurance cover plumbing?

If the plumbing burst and casues damage, yes. In other words, say your water heater goes and pours water all over the floor. The damage to the floors and items in your basement will be covered. Keep in mind that placing claims brings you closer to having your policy canceled. Do it wisely! Here's (MORE)

What does homeowners insurance cover?

\n. \n Answer \n. \n. \nThe basic structure of a homeowners policy looks like this: \n. \n• Coverage A: Dwelling - protects the structure of your home and other structures attached to it. The basic homeowners insurance policy pays you in case of any damage due to fire, and severe storms. (MORE)

Is there accident insurance available that covers a person when the car they are riding in is uninsured?

Answer . \nI am assuming you are referring to bodily injuries. \n. \nThere are, indeed, other remedies available.\n. \n1. If you have PIP or MedPay on your own auto policy, it will pay for reasonable and necessary medical expenses up to policy limits. ONE CAVEAT: This is state dependent, and (MORE)

Does homeowners insurance cover a foundation?

Home building insurance will generally cover everything that forms part of the building, including the foundation. You need to ensure that you have your home insured for enough to completely rebuild your house if it was completely destroyed. Most insurance companies will have a provision for removal (MORE)

Does homeowners insurance cover fences?

Yes, unless otherwise stipulated in your policy, In General, a Home Owners Insurance Policy will cover certain other permanent structures on your residential property incuding fences.

Who is covered under homeowners insurance?

A "Named Insured" or "Insured" should defined by the policy and listed in the Definitions section of your policy. Generally it is the person listed on the declarations page, and permanent residenants of your household.

Does homeowners insurance cover termites?

No Homeowners ins. does not protect you from termite damage. You would have to have a contract with a termite company that is insured and the warranty would have to be a re treatment and repair policy. Treatment is required for this warranty however and normally cost between 600-1500 dollars.

If homeowner dies does homeowner insurance cover it?

Homeowners insurance covers the house itself should it be damaged. Many of the policies include liability insurance so that if anyone is injured there you have protection. There are some types of mortgage insurance that cover the remaining mortgage should the owner die. But, if the lender does not r (MORE)

Does homeowner insurance cover mold?

Generally not. Insurers take the position that mold grows over a period of time and is not the sudden and unexpected occurrence that insurance normally covers. Recent policies have express exclusions for mold coverage. However, if mold is found in the course of repair of a covered loss (for exampl (MORE)

What personal property is covered in homeowners insurance policy?

ALL Personal property owned or borroewd by insured is covered INHOME AND anywhere in the world while on vacation. BUT, If you at asecond home like a cabin you own in Tahoe the coverage will bedecreased to 10% of amount covered in Coverage C. Any relativeliving with you stuff is covered also. Roomate (MORE)

Is a fence covered by homeowners insurance?

Fences are covered by policies that have Other Structure coverage (most do) but they are covered on an Actual Cash Value basis, not Replacement Cost. Basically, you'll get a depreciated amount for your damaged fence.

Does liability insurance cover you from an uninsured motorist?

No. Liability insurance protects you from claims by third parties if an occurrence is alleged to be your fault and the third party claims compensable damages. It indemnifies you (pays damages on your behalf), and provides a defense (hires and pays an attorney at its own expense-if it wishes to conte (MORE)

Does homeowners insurance cover electrical?

It is not meant to be a maintenance policy of the home. If your electrical is broken from wear and tear then it usually wouldn't be covered. If there is a random occurrence and it causes other damage then there may be coverages afforded.

Does homeowners insurance cover tenants?

No, your homeowners insurance does not cover tenants nor any oftheir property or liabilities. actually, the presence of tenantswithout the presence of an owner can void all coverage and nullifythe homeowners insurance policy. If the occupancy status of your home changes, contact your agent. Leased (MORE)

Is your deck covered on homeowners insurance?

If you have additional or other structures coverage on your home insurance policy and the deck was damaged by a covered peril such as wind, hail, lightning, etc then you should have coverage for the deck subject to your deductible. If your deck is simply worn from the expected usual wear and tear (MORE)

Will your homeowners policy cover damage caused by an uninsured contractor?

No, homeowners insurance does not provide coverage nor warranty forour chosen contractors quality of workmanship. That's why we alwayswant to verify that a contractor is insured before allowing them tostart work on our home. The first sign of a reputable contractor is that they carry theappropriate (MORE)

Will homeowners insurance cover a roof?

Yes, If your roof was damaged by a covered peril on your Home Insurance Policy then you have coverage. If your roof is just old and is due for a replacement then that is part of the home owners maintenance responsibilities and is not covered under your policy. Roofs occasionally have to be rep (MORE)

Will homeowners insurance cover a television?

Honestly, it depends. It depends on the type of policy you have and it depends on the type of loss. Was the TV hit by lightning? Might be covered. Did the TV just stop working because the kids poured soda over it? Not covered. Many times, a TV would fall below the deductible amount, so it would not (MORE)

Does homeowners insurance cover floods?

Flood Insurance No. Homeowners Insurance does not cover Floods in the United States. You will need to purchase a separate Flood Insuurance Policy for your home to be covered for a Flood.

Does homeowners insurance cover dishwashers?

If Your dishwasher is just malfunctioning and needs a repair man then NO, Your home Insurance Policy does not cover Appliance Maintenance. A good home insurance policy should in fact cover damages to your home caused by a dishwasher if you have coverage on your policy for Water Damage, But it (MORE)

Does homeowners insurance cover leveling?

Homeowners insurance generally does not provide coverage for settling. This is considered a natural and expected occurrence over time. However depending on the age and purchase date of your home. You may have coverage for such issues under your Home Buyers warranty that would have been purchased (MORE)

Will homeowners insurance cover personal injury?

It would depend on the type of injury and who was injured as wellas whether you purchased certain coverage with your homeownersinsurance policy. Homeowners insurance is also known as "Hazard"insurance specific to the named insureds property. Itfalls under property and casualty lines. If you elec (MORE)

Does homeowners insurance cover a stolen uninsured vehicle?

No. Homeowners insurance specifically excludes all coverage for any 4-wheeled self propelled vehicle with few named exceptions like a lawn mower. The only coverage that would cover this loss is if you have an auto policy with physical damage coverage on the policy.

Will homeowners insurance cover personal injury for the insured?

Coverages within a homeowners policy for personal injuries do exist. Whether a specific policy would extend this type of coverage depends on the policy itself as this type of coverage is often optional. Review of the policy or declerations page looking for "medical payments" or "injury to the insure (MORE)

Does homeowners insurance cover trampolines?

Typically Trampolines and resulting injuries are not covered under your homeowners insurance policies. Most companies automatically exclude coverage for damages and injuries arising from the ownership of a trampoline. Most companies will also schedule your home insurance policy for cancellation i (MORE)

Does homeowners insurance cover collectibles?

If you have scheduled the collectible items with your insurance company on your policy and paid the required additional premium then they are covered, otherwise they are not covered. Other items that are not covered under a homeowners insurance policy unless scheduled are; fine jewelry, antiques, f (MORE)

What does homeowners liability insurance cover?

It covers your negligent actions anywhere in the world as well if someone sues you your laibility coverage will kick in and they will defend you. There are some other coverages in there as well but would need to see policy as all are different

Does your homeowners insurance cover reconstruction?

It depends on what level of insurance you purchased. Some policies are based on Replacement Valuation and will pay tocompletely rebuild the home in the event of a covered loss. Otherpolicies are based on ACV or Depreciated value and may not provideenough coverage for reconstruction. It just depend (MORE)

Does homeowners insurance covers upgrades?

No. If you have a loss the company will replace damaged items with same kind and quality. If you want to upgrade the eg. carpet or cabinets you will have to pay the additional cost yourself.

Will homeowners insurance cover personal injury to a renter?

No. First, if you are renting the home, you cannot insure it under a homeowners policy. If the home is not owner occupied for 90 days coverage ceases immediately. You must have the correct property policy for the right situation. If the home is rented you need a tenant occupied dwelling fire policy (MORE)

Will homeowners insurance cover your fence?

The fence is covered. If the fence is attached to the house then it is considered part of the dwelling. If it is not attached to the house then it is considered part of other structures. In either case coverage depends completely on whether or not the damage was because of a covered cause and that i (MORE)

Does homeowner insurance cover hvac?

Your HVAC is covered under your homeowners insurance for the same perils as your home, such as Wind, Hail, Fire lightning etc and subject to the applicable deductibles. See your Home insurance policy for schedule of covered perils.

Does homeowners insurance cover murder?

No. Homeowners insurance is "Property" coverage. Murder is a criminal offense and is not a covered peril under a home's property hazard insurance policy. Homeowners insurance does not provide liability coverage for criminal acts nor is it a replacement for a life or death insurance policy.

What does Texas homeowners insurance cover?

It really just depends on what type of policy and the scope ofcoverage you select. Typical perils covered are things like Fire, Wind, Hail, lightning,falling objects and many others. Talk with your Insurance Agent about risks you may face and theavailable coverages in your area.

Does homeowners insurance cover plumming?

Yes, Homeowners insurance can cover plumbing damage when caused by a covered peril such as lightning, fire, wind, hail freezing etc. Refer to your insurance policy for covered perils. If your plumbing is just old or stopped up then that would be an owners maintenance issue. Homeowners insurance d (MORE)

Is the furnace covered by homeowners insurance?

Yes a furnace is covered property under a homeowners insurance policy. However, the key to whether the policy will pay for damage is the cause of the damage. This is always the key to coverage.