1) Does your mortgage company care who insures your home?
Usually not, however, they may require the carrier be at least A rated (financially stable)
2) You discover rotten wood and mold in an area under your home where it appears a leak has
been occurring-is there coverage?
Probably not due to the continuous and repeated water leak exclusion.
3) You can't live in your home while it's being fumigated for termites-will insurance pay for
Additional Living Expense?
No, termites aren't covered so this is not an eligible expense.
4) After a covered claim, you're unable to live in your home while repairs are taking place and
your pet must be boarded since the hotel doesn't allow pets-is there pet boarding coverage?
There may be since this is a necessary expense.
**side note** This reminds me of a lady who's poodle was injured by hail. She was upset that her homeowners insurance wouldn't pay for Fluffy's vet bill.
5) You learn your home has a foundation crack-is there coverage?
No. Settling, design flaws are excluded.
6) A squirrel gets in your home and damages your furniture?
No coverage under the vermin exclusion.
7)Your own dog damages your furniture? No, but if your neighbors dog did it, there could be
coverage under your neighbor's homeowners insurance.
8) You shoot and kill a home intruder and the intruder's family sues you for wrongful death?
Yes, your carrier should represent you in such litigation with their own team of attorneys.