Which of the following is not an insured on a homeowners policy?

What is and isn't covered in homeowners insurance?

Damage or destruction due to vandalism, fire, and certain natural disasters are all usually covered. So is your liability if someone is injured on your property. Certain catastrophes, like flooding or earthquakes, are generally not covered by basic homeowners policies and require specialized insurance.

What does homeowners insurance not cover quizlet?

Policies will NOT cover loss or damage from... flooding, earthquakes, termites, freezing pipes, wear and tear, or lack of maintenance. Flood insurance is available for purchase, and in some cases required depending on where the home is located.

What is excluded from a homeowners insurance policy?

Not all damages are covered by a home insurance policy; common exclusions include floods, earthquakes, landslides, pests and mold. Homeowners can purchase endorsements or additional policies to cover excluded risks, such as coverage for high-value items or flood insurance.

What is not covered by insurance?

Health insurance typically covers most doctor and hospital visits, prescription drugs, wellness care, and medical devices. Most health insurance will not cover elective or cosmetic procedures, beauty treatments, off-label drug use, or brand-new technologies.

Which of the following is typically not insured under property insurance?

The following types of property are commonly excluded under property policies: Money and securities, accounts, bills, and food stamps. Animals other than stock. Vehicles, aircraft, or watercraft (with some exceptions)

Who is not eligible for a homeowners policy?

Though providers may vary on the criteria used to determine whether a home is uninsurable. Living in a high-risk location, having hazardous home features, home maintenance issues, your home's history of insurance claims, and more can be reasons an insurance company may determine a house to be uninsurable.

Which could never be covered by an endorsed homeowners policy?

Earthquakes, landslides and sinkholes generally aren't covered under home insurance. Exceptions include Florida and Tennessee, where insurers must offer optional sinkhole protection. Aside from that, you'll need separate coverage for these disasters, which your insurer can help you find.

Which of the following could be covered by homeowners policy?

Homeowners insurance typically covers damages to the home and personal property from perils specifically included—or specifically excluded in you policy—like theft or fire, liability for injuries on the property, and some living expenses if the home is uninhabitable.

Which area is not protected by homeowners insurance?

Homeowners' insurance does not cover any natural water damage such as floods, rain, and sewer backups. So, if you live in an area prone to flooding as a homeowner you need to know that insurance companies do not cover such events.

Which person is not a covered resident under homeowners policies?

A family friend who does not live with the insured, however, would not be covered. Similarly, a live-in girlfriend or boyfriend does not qualify for resident relative status under homeowner insurance.

Can my girlfriend be on my homeowners insurance?

Is my boyfriend/girlfriend covered by my home insurance? No. Not unless you are both listed on the deed, or unless you purchase an endorsement for Other Members coverage (see below). Otherwise, this person would not have property coverage or personal liability coverage.

What is not covered in a homeowners policy?

Earthquake, flood, mold, earth movement, and “wear and tear” are some of the perils that are usually excluded.

Who is not considered an insured?

Independent contractors, for instance, are usually not considered insured. They are generally required to have their own insurance coverage. Similarly, vendors or clients benefiting from your services might not be covered unless explicitly added as Additional Insureds.

Which of these are not usually covered by homeowners insurance?

Luckily, most natural disasters are covered under home insurance. Your policy probably covers wind storms, hail, lightning and wildfires. There are a few things that your policy may be missing, though. More than likely, your policy doesn't cover flooding or earthquakes.

Who would not be insured under a homeowners policy?

Explanation: An individual under age 21 in the care of but not related to the insured would NOT be considered an insured under a homeowners policy. The insured in a homeowners policy usually refers to the homeowner or policyholder, their spouse, and any blood relatives residing in the household.

What is excluded from coverage?

An exclusion is a provision within an insurance policy that eliminates coverage for certain acts, property, types of damage or locations. Things that are excluded are not covered by the plan, and excluded costs don't count towards the plan's total out-of-pocket maximum.

What to avoid with homeowners insurance?

Which would normally not be included in a standard homeowners insurance policy?

In general, a standard homeowner's insurance policy usually does NOT cover the following perils: Dogs & Pet Liabilities (It Depends) Normal Wear and Tear. Intentional Loss & Neglect.

Which of the following problems is not covered by a homeowners coverage policy of title insurance?

One common problem not covered by title insurance is boundary line issues, which would be revealed by a survey of the property (for example, it turns out that your fence is actually two feet onto your neighbor's property). Unrecorded mechanics' liens and unpaid public utility bills are other examples.

Which of the following is something that will not affect your homeowners insurance?

The one that is something that will not affect your homeowners insurance premium would be the distance of the home from school. In addition, the color of the home won't affect it as well. Hope this answer helps.