That's unfortunate that they couldn't direct you to / highlight the portion of the policy relevant to your question. Find another agent / company. Claims are on a case by case basis and wordings are up for interpretation so agents / adjusters will never be able to give you a definite answer.James, wanted to share my recent experience with an insurance company. I know we talked a lot about what coverages you would have and wanted to discuss with the insurers before purchasing the policy.
Well, I already have a policy. It’s for basic homeowners property/liability. I plan on taking on a volunteer position with a local association. There is protection through the association for liability but I wanted to see if my personal policy would offer any additional protection. I submitted a web query to my insurers and was told the question was sent to underwriting for further review. I then got a call a few days later. They told me to review my policy myself (they are sending another hard copy by mail) and that they could not answer questions on hypotheticals or unique situations. The rep did say that the claims department might have an opinion but they wouldn’t talk to me until a claim was filed.
Seems like poor service. I’ll try again when I calm down. You would think you would be able to call a insurance company directly and say...”I need, or do you have, insurance that will protect me from XX”. I guess there are thousands of opportunities where one may volunteer and they can’t detail the risks or coverages for all of them. In our association, we have volunteer electricians, plumbers, arborists, accountants, pool operators. It’s quite extensive.
The organization should be arranging insurance for their volunteers as me I would expect that while one is engaged in the act of volunteering that a home insurance policy may not be required to respond. There would however have to be some sort of exclusion on the policy if you have a comprehensive all risk policy...
Let us know what you find out.