Yes. Make sure you are just covering the home and contents, not the building lot. Many times the insurance company will try to insure the LOT, when that part will never burn.
Nope, a homeowners policy does not cover the home owner.
An HO-B policy typically refers to a homeowner's policy in Texas.
No. You will have to cancel you policy and the new owner will have to apply for a new policy. The homeowner's policy is partly based on the home and partly on the person so the new owner will be underwritten as well as the property.
It should. You should request a policy review with your agent. It has to be stated in the policy what is and is not covered. <><><> DO review your policy with your agent. Sewer Backup is typically EXCLUDED from most homeowner's insurance. It CAN be added to a homeowner's policy. Have you read your policy?
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No. your nanny is not a named insured on your home insurance policy.
home owners always need to pay their water policy.
Homeowner insurance claims are paid to the policy holder, in a condo and the damages are being reimbursed by the association the deed and title holder gets the refund
Most homeowner insurance will cover for public liability but you need to read your policy.
If it relates to a personal injury claim where the individual was injured on the policy holder's property then usually homeowner's insurance will provide compensation up to the specific amount stated in the policy.
Not all homeowner policies cover against theft. The most basic homeowner policy will only cover against fire, wind and hail. If your Home Insurance Policy includes burglary then you should have no problem with coverage up to the specified limits. If the theft was by a household member then it is most likely not covered.
Cancel the forced insurance policy and add terms and conditions to your homeowner policy.