Anyone know home and contents insurance?
I had items stolen during an open home, are most house and contents insurance invalid during an open home and where can i find this information?
Answers: The homeowners policy would not be "voided" by an instigate house event. However, you would have to establish that your loss was the result of break-in. Just the fact that something was gone is not satisfactory. Perhaps the item was misplaced. You would have have to have some suspicious circumstances because mysterious disappearance is not covered by your typical policy.
Even if you can reasonably establish that your loss be because of theft your policy has a deductible so if the loss be small it would fall below the deductible.
If the item was jewelry the typical homeowners policy margins the theft loss to $1,000. unless you had the jewelry planned on a floater in which case the jewelry would be covered within full and even for mysterious disappearance.
Obviously the answer has to assume a typical policy so call your agent to verify the details of your policy.
No, have an open house doesn't void your policy. Not living in attendance, though, can void some coverages.
You need to run to YOUR AGENT to verify this, or read your policy.
no your coverage would still be valid even during an open house. you can read your policy and /or contact your agent to find the coverages you have.
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Answers: The homeowners policy would not be "voided" by an instigate house event. However, you would have to establish that your loss was the result of break-in. Just the fact that something was gone is not satisfactory. Perhaps the item was misplaced. You would have have to have some suspicious circumstances because mysterious disappearance is not covered by your typical policy.
Even if you can reasonably establish that your loss be because of theft your policy has a deductible so if the loss be small it would fall below the deductible.
If the item was jewelry the typical homeowners policy margins the theft loss to $1,000. unless you had the jewelry planned on a floater in which case the jewelry would be covered within full and even for mysterious disappearance.
Obviously the answer has to assume a typical policy so call your agent to verify the details of your policy.
No, have an open house doesn't void your policy. Not living in attendance, though, can void some coverages.
You need to run to YOUR AGENT to verify this, or read your policy.
no your coverage would still be valid even during an open house. you can read your policy and /or contact your agent to find the coverages you have.