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Damage from carpenter ants is usually not covered by homeowners insurance, but if carpenter ants cause a tree to fall on your home, your dwelling coverage may kick in to help repair the damage.
For example, if a tree falls and causes $5,000 in damage to your home and you only have 5 percent debris removal coverage, your policy may pay up to $250 to remove the tree.
When does a standard home insurance policy not cover foundation damage? Although home insurance does cover many sources of foundation damage, there are certain situations where coverage might be ...
Hurricanes: Most homeowners insurance policies do not cover all aspects of hurricane damage. To be covered for flood and sewer backup-related damage, you may need to purchase additional coverage.
Does home insurance cover damage to my personal property? Yes. Coverage C of your home insurance policy provides financial protection for your personal property.
For instance, if your home is insured for $400,000, up to 10 percent of that amount (or $40,000 in this example) can typically be allocated to repair or replace other structures like fences in the ...