Q: What coverage is there for my in-home business and office equipment? A: With the Homeowners Policy, your equipment is covered to the policy limit of $2,500. Any equipment used away from the home for business purposes has a policy limit of $250. With the Premier Homeowners Policy, your equipment is covered to the policy limit of $5,000. Any equipment used away from the home for business purposes has a policy limit of $500. Both policies' liability coverage doesn't include business exposure. You can add endorsements to the basic policy or purchase a business owner's policy to get coverage for the equipment and liability.
Q: A tree in our yard falls on the neighbor's house. Will my Homeowners Policy cover it? A: The policy's liability section will provide coverage if you've been negligent in taking care of the tree and that negligence contributed to the tree falling. The policy also will provide debris removal for the part of the tree still on your premises, as long as it damaged a covered structure.
Q: What if my neighbor's tree falls on my house? A: The policy will provide coverage. Debris-removal coverage also will be available since the tree damaged a covered structure.
Q: Does my liability coverage apply only at my residence? A: The liability coverage protects you anywhere in the world. For example, if you're skiing in the Swiss Alps and you crash into someone, break his or her leg, and are found legally liable, your Liability and Medical Payments coverage will extend to protect you.
Q: Will I be covered if my pipes freeze? A: If the home is vacant, unoccupied, or under construction, there's coverage if you've taken care to heat the home or shut off the water and drain the system.
Answers to many of these questions are based on Washington state regulations and PEMCO policies. For specific information, please refer to your policy. All coverages are subject to policy terms, conditions, and exclusions.
