homeowner insurance dosent cover my property. why not?????

Question

it matters to me ..what can i do????

Answer 1

Well, they need to TELL you why they don't cover it! Is it land? Land isn't covered. Is it a pet? Pets aren't covered. Is it a FLOOD? Homeowners doesn't cover flood. Do you HAVE A POLICY? They're not going to cover you, if you don't buy a policy.

There's WAY not enough information for an answer here. But YOUR AGENT should be able to tell you!!!

Answer 2

The last poster has a good question, when you say property do you mean land? because everything you own by definition is your property. Land is not covered.

I hate to complain about the question but it is very vague.

Are you saying that you had an individual claim and it came back with no coverage?

Then have them send a formal denial letter. And if need be discuss with your state department of insurance.

Or Are you saying their is a certain coverage such as a homeowners policy that you cannot find someone to write.

If so find an agent, and if that agent is good they may take it to their underwriter and see what they can do to improve your risk to make you a better insured. You may have to give up your pit bull, put a fence around your swimming pool, improve your credit rating or lock up your guns. But either way if you make yourself a worthy candidate someone will right you a policy.

Answer 3

homeowners covers REAL PROPERTY, not land, and limited as to personal property. The limits are stated in the policy, in general a % of the total coverage, except for jewelry, guns, cash, antiques, art, etc. those you need special riders for.

Answer 4

Home owner's insurance insures just that, your HOME. If your home burns down there is no home, it will rebuild you a new home of same/similar likeness value. If your land burns down, it will still be land there (minus trees and other landscaping). I sell insurance and as far as I know, there is not a policy that would cover your land itself (liability yes, actual grass, ground, trees etc. no).

Answer 5

It really depends on the carrier and the specifics of your home and its property. Some carriers will refuse to insure things that can devalue the property or put them at risk...i.e. vicious dog, trampoline, high risk flood area. If you give me some specifics, I can give you my take on things. [e-mail]