Virtual University

Homeowners Coverage for Non-Rented Premises

Your daughter is getting married and friends with a beautiful lake home have offered their place for the reception. Concerned about personal liability, you check your HO policy but the…

HO Coverage for Volunteer Board Service

Many people are often asked to serve in a volunteer capacity as board members on non-profits, school PTA organizations and booster clubs, church boards, and civic organizations. If sued, would…

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The Homeowners Policy and College Students

Kids away at college often present unique exposures to loss, many of them potentially catastrophic. So, it’s important to know how much coverage if any, is provided by the parents’…

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Definitions

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When Residents Have No Contents Coverage (and Worse)

The named insureds have separate HO-3 policies on two homes. One is occupied by their daughter as her primary residence, but she is not a named insured. The daughter’s residence was burglarized…

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What is “Vacant Land”?

The ISO HO policies automatically include coverage for vacant land as part of the definition of “insured location.” But what constitutes “vacant land”? Does a water pump, abandoned building foundation,…

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HO Coverage for Homes in Foreclosure

Do you have any homeowner insureds whose homes are or have been in foreclosure? Do you have any mortgage companies who, as a result of a foreclosure, are insisting that…

Loss Assessment Coverage

One of the most misunderstood coverages — and one that is of growing importance — is the loss assessment coverage in a homeowners policy. In this article, personal lines guru David Thompson…

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