Homeowners

An insured has 15 rental properties, none more than 4 units. An insurer covers them under 15 dwelling policies and has endorsed his homeowners policy to extend liability coverage to…

In 2010, ISO filed its first major revision to its homeowners program in a decade. In this article, Ted Kinney reviews the 27 major changes to HO forms and endorsements,…

In most major insurance filings there are policy changes that broaden coverage, some that restrict coverage, and some that claim to make “no change” in coverage. In this article, we’ll…

In most major insurance filings there are policy changes that broaden coverage, some that restrict coverage, and some that claim to make “no change” in coverage. In this article, we’ll…

Recently we’ve seen an escalation of questions regarding the insurance coverage implications of chinese drywall. Everyone is familiar with the press being given to claims involving drywall shipped from China…

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, or they may…

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…

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…

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’…

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…