Homeowners insurance policy question on coverage – 3rd party damaged my patio?; What If Your Holiday Gifts Are Stolen?

Reasons why the rates went high and some companies canceled policy’s as they were drummed out of Florida. Listen to Ed Carpenter as he explains the why and how of the way Home Insurance + your local Government actually affected Florida Insurance Companies. This is a must watch Video.
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Question by Ben H: Homeowners insurance policy question on coverage – 3rd party damaged my patio?
A lawn service company caused damage to my stone patio with fertilizer stains (residential property). Will this be covered on my homeowners policy? I just need to know if it is covered? Would an insurance company cover this?

Best answer:

Answer by Rob M
off hand I’d say it would have to be the lawn services insurance company that would be responsible for the dammage caused by their employees.

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What If Your Holiday Gifts Are Stolen?
That figure could be significantly higher if more consumers elected to insure their personal property for replacement cost and not depreciated actual cash value. Doing so typically only adds 10-15% to their homeowners insurance premium.
Read more on Insurance News Net (press release)

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what is the difference between an identity theft and identity fraud?; Coralville man accused of using stolen identities to buy, sell merchandise online

Question by Marie: what is the difference between an identity theft and identity fraud?
what exactly is an identity theft? please give specific examples. thanks

Best answer:

Answer by Kay
Identify theft: When your ID is stolen
ID Fraud: When you make up an ID that didnt exist in the first place.

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Coralville man accused of using stolen identities to buy, sell merchandise online
Booth is charged with ongoing criminal conduct, a class B felony, four charges of identity theft and one charge of second-degree theft, all class D felonies, and two charges of first-degree theft, class C felonies.
Read more on The Gazette: Eastern Iowa Breaking News and Headlines (blog)

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