Jemima Aslana
New Member
Too true, Moto. Sadly too true.
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Billy said:What's this homeowners insurance you speak of? And why do they have a say over what pets you can and can't have?
Yikes, if the kids venture into MY garden it's their parents' accident insurance that covers any damages they do to themselves and to my car. Since it's not my fault my garden was in their way - that's how we sort it in DK.Motokid said:And the other is coverage should somebody get hurt on your property they can't sue you directly. Like if a kid on a bicycle should run into my car in the driveway, the kids parents can't sue me to have the kids teeth fixed....the insurance will cover that.
See as above, generally a swimming pool will be kept in a closed garden - mainly because you don't want stray animals to run into it, but if kids do venture past the closed gate it's their own bloody fault and if they drown because they trespassed you cannot be blamed.Private swimming pools require heftier coverage.
Thankfully we have a seperate insurance that covers animals in the home here. Of course there are technicalities for instance if your parents have a dog and ask if they can bring it next time they visit and the dog ends up breaking your laptop, insurance won't cover, since you knew the dog would be there you should have brought your laptop to safety - if on the other hand your parents brought the dog without telling you - then it's an unexpected visit and your parents' pet insurance will have to cover it.Having a "dangerous" animal could be considered too much a liability for an insurance company to want to cover. Therefore, they won't cover you. Unfortunately you are a major fool if you have no insurance, and most mortgage companies require it......
Motokid said:Home Owners insurance covers a few things. One is in case your home is damaged by fire, or theft, lightening......
And the other is coverage should somebody get hurt on your property they can't sue you directly. Like if a kid on a bicycle should run into my car in the driveway, the kids parents can't sue me to have the kids teeth fixed....the insurance will cover that. Private swimming pools require heftier coverage.
Having a "dangerous" animal could be considered too much a liability for an insurance company to want to cover. Therefore, they won't cover you. Unfortunately you are a major fool if you have no insurance, and most mortgage companies require it......