I am a single parent. If my son breaks my neighbor’s window, am I protected?

The homeowners or renters insurance does protect you or your child, or any other family member for damages to another person’s property. Actions by a child under 13, whether done intentionally or not, are generally covered by the insurance policy. If a child who is 13 or older accidentally breaks a window of a neighbor, it too will be covered under your policy. But if the incident is intentional, you may not be covered.

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I am a single parent and have a dog. What if he bites somebody?

Following a dog bite insurance claims the insurance company may non-renew the policy and/or ask you to get rid of the dog. Once there is such a claim on your record, future insurance companies may refuse to write your insurance if you still have the dog, or they may have an exclusion for any dog bite, whether you have changed dogs or not.

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How do I keep my insurance costs down as a single parent?

Review your homeowners/renters insurance policy to see if there are any credits that you are eligible for, but are currently not being included. Many companies give some great discounts if they write both your home and auto insurance, and some offer discounts for single parents.

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