Flower Mound small group health insurance

Flower Mound small group health insurance

Loss assessment. The policy pays up to $1,000 for your share of any loss assessment charged to you by a corporation or association of property owners. This only applies if the assessment against you was caused by a loss covered under the terms of the policy. If the assessment is made by a governmental body, no payments will be made by the insurance Flower Mound small group health insurance.

Collapse. The HO 3 policy insures you against direct physical loss to covered property involving collapse of a building or any part of a Flower Mound small group health insurance caused by one or more of the following:

• The perils insured against regarding personal property losses in Coverage C.
• Hidden decay.
• Hidden insect or vermin damage.
• Weight of contents, equipment, animals, or people.

Weight of rain that collects on the Flower Mound small group health insurance.

• Use of defective material or methods in construction, remodeling, or renovation if the collapse occurs during the course of such work. Note that collapse does not include damage caused by settling, cracking, shrinking, bulging, or expansion.

Protection against Liability

Your standard homeowner’s Flower Mound small group health insurance also includes a very important protection against personal liability. This is known as Section II (see sample policy in Appendix F). Coverage E, Personal Liability, states that “if a claim is made or a suit is brought against an insured for damages because of bodily injury or property damage caused by an occurrence” to which the coverage applies, your insurance company will:

• Pay up to the limit of liability as appears on the declarations page if the insured is legally liable.
• Provide a defense at company expense by counsel of their choice, even if the suit is groundless, false, or fraudulent.

In addition, under Section II, Coverage F, the company will pay for medical expenses to others who are injured while on the insured location with the permission of the insured. They will also pay medical expenses of others injured off of the insured location, if the bodily injury:

Arises out of a condition on the insured location or the ways immediately adjoining. If your tree hangs over into your neighbor’s yard and a branch falls and hits your neighbor in the head, you can expect your insurance company to pay for the Flower Mound small group health insurance.

• Is caused by the activities of the insured. If you play golf and slice the ball into the opposite fairway, hitting another golfer, your homeowner’s policy will pay that poor soul’s medical bills. (It won’t, however, compensate you for the increase to your golf handicap.)
• Is caused by a residence employee in the course of the employee’s work.
• Is caused by an animal owned or in the care of the insured. If Rover bites the mailman, your insurance pays for the stitches.

…Continued in Flower Mound temporary health insurance quote