Any Insurance Agents Here ? Wondering About Homeowners Insurane/ Terro - Chevelle Tech
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post #1 of 13 (permalink) Old Jun 27th, 20, 11:59 PM Thread Starter
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JOHN
 
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Any Insurance Agents Here ? Wondering About Homeowners Insurane/ Terro

Im just curious if insurance on our homes will cover acts of Home Grown Terrorists such as Antifa / Black Lives Matters if they decide to go to our homes .
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post #2 of 13 (permalink) Old Jun 28th, 20, 1:51 AM
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Jim
 
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Re: Any Insurance Agents Here ? Wondering About Homeowners Insurane/ T

Your insurance covers what's specified in the contract...your policy document. That's bottom line. You must know and understand the terms. Nothing that "you think" or "you were told" or "he told me" replaces or overrides the black and white on paper. I'm not an insurance agent, so just my $0.02
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post #3 of 13 (permalink) Old Jun 28th, 20, 7:49 AM
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Re: Any Insurance Agents Here ? Wondering About Homeowners Insurane/ T

The best thing is to directly ask your specific agent.

Today's policies have tons of exclusions in the fine print, and each policy is different.

And, make him SHOW YOU where it says "___________ "whatever your concerns are.

Mike

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post #4 of 13 (permalink) Old Jun 28th, 20, 7:55 AM
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Eric
 
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Re: Any Insurance Agents Here ? Wondering About Homeowners Insurane/ T

As the others said, you need to read your policy for specifics of what it does or does not cover. A lot of policies state they do not cover for civil unrest, rioting, etc...
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post #5 of 13 (permalink) Old Jun 28th, 20, 10:17 AM
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Re: Any Insurance Agents Here ? Wondering About Homeowners Insurane/ T

Insurance policies vary from state to state. I was an Allstate agent in my second career. But as said before most have clauses for acts of war and civil unrest. I would call your agent or read the policy there are sections titled what is and isnt covered .
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post #6 of 13 (permalink) Old Jun 28th, 20, 12:31 PM
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Re: Any Insurance Agents Here ? Wondering About Homeowners Insurane/ T

I need to find out if non family member Funeral cost will be covered, If and or when some nut case & friends decides to visit my home. I am not politically correct. I dont have any rubber bullets, I have the other kind. Stay Healthy! If I have offended someone= T. S.......
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post #7 of 13 (permalink) Old Jun 28th, 20, 1:52 PM
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Re: Any Insurance Agents Here ? Wondering About Homeowners Insurane/ T

Quote:
Originally Posted by Robinls5 View Post
I need to find out if non family member Funeral cost will be covered, If and or when some nut case & friends decides to visit my home. I am not politically correct. I dont have any rubber bullets, I have the other kind. Stay Healthy! If I have offended someone= T. S.......
Bob
Although difficult, especially for you, it's cheaper to just try and keep your mouth shut.
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post #8 of 13 (permalink) Old Jun 28th, 20, 2:15 PM Thread Starter
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Re: Any Insurance Agents Here ? Wondering About Homeowners Insurane/ T

Where I live , I dont really think it will be a problem with these groups coming here but was just curious . Its difficult at best to get a hold of my agent as they are still working remotely from home and are not great about returning calls .
I am well armed for when Im home and buying more arms as I can .
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post #9 of 13 (permalink) Old Jun 28th, 20, 4:02 PM
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Re: Any Insurance Agents Here ? Wondering About Homeowners Insurane/ T

Would it be " OK " to put a sign in my window that says....... " This home protected by a man with a Shotgun, Three nights a week. You guess what three nights."
Bob
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post #10 of 13 (permalink) Old Jun 28th, 20, 9:09 PM
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Re: Any Insurance Agents Here ? Wondering About Homeowners Insurane/ T

Homeowners policies are built around forms created by an entity called Insurance Service Office (ISO). Even the most basic homeowners under ISO (HO-1) is based on Basic coverage with Extended Coverage - Riot and Civil Commotion are included in Extended Coverages. Every state then steps in and changes those forms to better serve their arear of the county. A good example is in states like Florida Wind is Excluded and you must buy a separate Wind policy, where here in Michigan Wind is not Excluded. Then, your individual company can change what was written by ISO to suite their own experiences as long as it stays within the rules of the State.

The only way to know for certain is to discuss what you are concerned about with the Agent that handles your policy. Company A may cover something in your state that Company B Excludes and they both can be within the State law.
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post #11 of 13 (permalink) Old Jun 29th, 20, 8:56 PM
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Re: Any Insurance Agents Here ? Wondering About Homeowners Insurane/ T

I think I get it. Lets adjust the policy so " We win ", Policy holder " Looses".
Bob
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post #12 of 13 (permalink) Old Jun 29th, 20, 10:16 PM
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Re: Any Insurance Agents Here ? Wondering About Homeowners Insurane/ T

Quote:
Originally Posted by Robinls5 View Post
I think I get it. Lets adjust the policy so " We win ", Policy holder " Looses".
Bob
But of course! Insurance is just a legal form of gambling - and in gambling, the house always wins. And just like at a casino, if you "win" (aka claim) too much (and only their opinion counts), you get "kicked out" and banned.

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post #13 of 13 (permalink) Old Jun 30th, 20, 2:45 AM
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Lol. Isn’t that what a lot of idiots were using as justification as to why riots were ok in their minds - that the victims of the vandalism had insurance?
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