Common questions about homeowners insurance
Most people think they know what homeowners insurance from newjersey-insurance.net covers. Damages from fire or wind are understood to be covered. Theft of your belongings (with some exceptions for which a rider is required is also a reasonable claim. But there are some questions about your homeowners insurance that you might not know the answers to. Here are a few of the most common:
- Are dogs bites covered? It depends on your breed of dog. Insurance companies do not look kindly on certain breeds of dog that they consider aggressive and bite risks. Among them are German Shepherds, Pit Bulls, Rottweilers and Dobermans, to name just a few. You must disclose your dog breed to an insurer when asked, or be at risk of no coverage should a bite occur. You must also understand that some insurance companies have put certain breeds on their blacklist. That also means that if you are considering a dog, consider also how the breed might affect your premium.
- Most homeowners policies will cover accidents and injury on your property, but some also cover those that happen somewhere else, for example, if you slip and fall at the grocery store. Be sure you know what your policy states when you go looking for reasonable New Jersey homeowners insurance quotes.
- If someone has an accident in your home or is injured, you are at risk. If you are sued you must contact your insurance company immediately. They will do all they can to protect you from fraudulent claims.
- Believe it or not, your negligence is covered, for the most part. That means if you accidentally run over someone while you are on roller blades, you might be considered negligent—you were not looking where you are going—but you may be covered anyway. Or if you are pouring coffee at a social event out of your home and accidentally scald someone, your policy may kick into effect.
- If you are angry at your brother and throw a vase at them, that act would be considered intentional and therefore might not be covered. It pays to think before you act, because if your actions are intentional, you may be liable for medical expenses.
As you can see, there are many variables for insurers to consider when evaluating a claim. Be sure you understand your policy before filing one.