Condo Insurance

Is there an HO-6 Special (broader) form policy that covers all-risk perils (such as sewer back-up)?

The HO-6 — also known as condo insurance — is designed to be limited in its coverage. I would look into scheduling your building property on an open peril basis which would give you much broader coverage.

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Homeowners Insurance

Does home insurance cover damage to mural after leak?

This question is very specific to your home insurance policy and thus difficult to answer. Your insurance agent will be able to tell you what type of coverage you have and the adjuster will be able to tell you how much they will pay to repair the damages.

Homeowners Insurance

Who insures the engagement ring?

You can purchase additional insurance for your engagement ring through your renters or home insurance. It would be through a rider or additional endorsement if the value of your ring is greater than your property limits (which it very well could be).

Homeowners Insurance

Are my guns covered by my homeowners insurance?

Your home insurance will usually cover your guns for theft or damages through your personal belongings coverage - however, that is subject to coverage limits that might not totally cover your loss. If you want to add additional protections for your rifles, I recommend speaking with your insurance company about a rider/endorsement.
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