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- Utopia When you are young....under 28 years old, you are ignorant about politics and feel sorry for the poor people. Between the ages of 29 to 40 you start to realize that how much of your pay check goes to... Why do Democrats want people to die because they can not get health insurance?
- mckenziecalhoun I hope this is parody. ALL democrats oppose public option health care. ALL democrats oppose forced health care. Democratic Socialists want both. Forget the names, look at the policies and goals. ... Why do Democrats want people to die because they can not get health insurance?
- gws35 They were going to die anyway, because the HC reform bill in Congress wouldn't take effect until 2013 or later. So it seems like all the Democrats want people to die. Why do Democrats want people to die because they can not get health insurance?
- Frizzle Fry Why would they need to pass legislation enforcing that? It is unconstitutional to begin with. Sounds like they are pandering to conservative voters Why do Democrats want people to die because they can not get health insurance?
- Gluteal Cleavage making it illegal to REQUIRE people to have insurance. which means they made it a law so you cant make a law telling people if they dont have insurance, they will get fined. Why do Democrats want people to die because they can not get health insurance?
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- 006 Lots of states have done this. Changing what exists is always difficult. The legislators of Virginia are responding to what the people want. In this case, the people do not want to be forced to pay... Why do Democrats want people to die because they can not get health insurance?
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- Republicrette Your question doesn't make any sense. Not being required to purchase insurance doesn't make anybody die, it just passes the cost on to the taxpayers when those uninsured go to the ER. Why do Democrats want people to die because they can not get health insurance?
No.
You’ll have to talk to your insurance agent and see what your policy covers exactly.
If you don’t have a special rider then it is not covered under a normal homeowner policy. It is possible to get an additional electronics rider for a policy, however, that will cover you in the case of any loss regardless of cause. These are most commonly obtained to cover computer equipment but they can cover things like your TV as well.
Depends on your policy.
The standard homeowners policy would NOT cover this. “oops we knocked it over” or “oops it fell” is NOT a named peril, and the standard homeowners only covers contents for named perils.
To make a long story short the quick answer to your question is you are not likely covered for this loss.
If you care to hear the rest of the story – Most people have what is called an HO-3 policy form. An HO-3 policy covers your home (building) for open perils and covers the contents for perils that are enumerated in the policy. Open perils means that everything is covered unless the policy specifically excludes a peril (as an example flood and earthquake are excluded). The contents however are covered only if the damage results from a specified peril (as an example fire, lightning, windstorm, theft). If the damage is from something else like a toddler knocking over the TV it is not a specified or named peril and is therefore not covered.
There is however one glimmer of hope. If your agent suggested an HO-5 policy form then the contents are covered for open perils the same as the building and voila! your loss is covered because it is not specifically excluded. Cool, huh.
However very few people care to pay the additional premium for the HO-5 and with either form you are still dealing with a deductible.