Hello,
This will vary from company to company, and each person will need to check
with their insurer to see if this applies to their policy. I checked with
My Homeowners Insurance company, Farm Bureau Insurance (United Farm Family
Mutual Insurance Company) and this is what they told me:
Headstones for immediate family are covered as "personal property and
outdoor equipment an insured owns or uses while it is anywhere in the
world". More specifically, "individual or family cemetery plots or burial
vaults that the insured owns". My agent defined "immediate family" as
myself, my spouse, and children. If I owned the plot and marker for
grandparents or other family members, they would be covered, too.
The key is, the insured must own the plot and markers. In other cases, it
can be covered by a rider to your policy, or having a separate policy to
cover the property. Remember, this will vary from company to company and
each person should check with their agent to see if their homeowners policy
has this coverage.
Ernie Lasley, Coordinator
Gibson County PCRP
PCRP Page:
http://members.sigecom.net/elasley/inpcrp/index.html
Cemeteries Page:
http://www.usroots.com/~jmurphy/gibson/gibcem/gibcem.htm
At 05:22 PM 01/22/2002 -0500, Dale J. & Cindy L. Frie wrote:
On this mornings news I heard about yet another cemetery vandalized in
the
South Bend Area. I do not recall the town or name of the cemetery. In the
news report they did mention some of the stones would be repaired with
proceeds from home owners insurance. I got the impression this headstone is
not located on someone's personal property. Which brings up the question how
can they claim headstones on their homeowners insurance.
Cindy L. Frie
(skifri)
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