Question about home owners ins,?
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Question about home owners ins,?
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I'm with State Farm, Arkansas. What would be covered by the way of theft. Such as an ATV chained up under my carport. Also power tools locked up in cabnets. Basic plolicy, home and contents. Fishing boat chained to tree out back.
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shelcom
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Try reading the policy. That is why they gave you a copy. |
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Tracy N
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Your ATV and boat should have its own insurance. ATVs would be put under Auto and there is separate boat insurance.
As for your tools, if they are locked in a cabinet, it should be covered under contents. As long as you don't constantly have them travelling with you, say if you were a carpenter or something. |
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melissa g
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I'm not sure how your state differs from mine, Mass. But out here your home ins. does not cover anything they consider a small engine. ATV, Dirt bikes, Lawn mowers, boats, etc. even if they are chained up on the property. This law may differ in your state but out here they don't cover if any of the above are stolen or damages. Sorry i hope you have better luck, My sons dirt bike was stolen from my shed and the ins will not cover it. I am still paying on it.!! |
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mbrcatz
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you need to ask your agent that question, as your policy could completely exclude theft coverage - BUT, generally the homeowners policy excludes theft of watercraft and all associated equipment (motor, trailer, etc) and recreational vehicles.
Power tools - it depends on if it's personal use, or business use. The standard homeowners policy has a limitation of coverage, of $250 for business use equipment & furnishings. |
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Tasheka
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This question can be best addressed by your insurance agent. Call them and have them send you the information you are seeking. |
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D C
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Your ATV wouldn't be covered under your homeowner's insurance, you need to have seperate insurance on your ATV. The fishing boat might be covered, depends on length, width, etc. Check with your agent. Power tools are generally covered, although there might be a limit. READ YOUR POLICY!!! |
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Robert S
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Policies vary greatly, even within a company and location. You can add a rider for whatever is not covered. |
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BIG "D"
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all those items should be covered under your homeowners, contact your agent for a declarations page of your policy. |
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