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My Homeowners Policy Covers THAT?

My Homeowners Policy Covers THAT?

From break-ins and fires to slips-and-falls and dog bites, you probably think you have a pretty good idea of everything that your homeowners insurance policy covers.  You might be (pleasantly) surprised to find that the policy covers more than just the run-of-the-mill accidents. Please note that these are examples of coverage that may be available under your policy. Read your policy or talk with your broker to verify coverage. Gravestones You may not have purchased the gravestone, and it doesn’t have to be on your property. If you are the primary caretaker of a headstone and it is damaged or vandalized on your property or at a cemetery, your policy may consider it personal property and offer coverage to replace it. There is usually a sub limit on this coverage, so check with your broker. Dorm Burglary College age children living in dorms away from home may have coverage for their personal belongings under their parents homeowners policy for theft and other covered causes of loss. This coverage is usually a percentage of the homeowners property coverage, and may have age limit restrictions for the student. Falling Objects Occasionally you hear about strange objects falling from the sky and crashing into people’s homes. These have included large chunks of ice and even plane tires. Falling objects are a covered peril no matter where it came from or what it is. Spoiled Food If your refrigerator or freezer loses power due to a covered cause of loss, your insurance policy will pay for those spoiled steaks and rotten milk. Coverage for groceries is usually subject to a limit of $500...
Homeowners Insurance and the Casual Worker

Homeowners Insurance and the Casual Worker

Finding someone to do certain tasks around your home can be arduous. You can call 15 different companies from the phone book or an online search and get 15 different quotes, if all 15 of those contractors either answer the phone or return a call. It may be tempting to go with the least expensive quote, but cheaper might end up costing you more in the long run. To avoid unexpected expenses, you should take steps to protect yourself. Fernandez v. Lawson In 2002, Mr. Lawson hired a tree service to remove a 50 foot tree from his property. Mr. Lawson received a business card from the owner of the tree service bearing a license number. He requested proof of insurance and was provided a certificate that was expired with a promise that the most recent insurance certificate would be provided the next day. The next day work commenced and Mr. Fernandez, an employee of the tree service, sustained serious injury while attempting to remove the tree. Because his employer was not licensed to remove a tree in excess of 15 feet and did not have workers compensation insurance, he sued the homeowner, Mr. Lawson, claiming that since he was unlicensed he was a de facto employee of the Lawson household. While the lower court did not agree with this statement, the appellate court overturned the decision, deciding in favor of Mr. Fernandez. The court stated that any homeowner hiring an unlicensed and uninsured company to perform work becomes the employer of not only the business, but also its employees. Be The General Contractor On a job where a...