Homeowners

What happens if an insured’s tree falls and damages property or injures someone on a neighbor’s premises? If the occurrence is caused by an “Act of God,” is the insured…

From “host liquor” in a CGL policy to “vacant land” in an HO policy, we often relying on automatic coverages for certain exposures to cover an insured who has an…

A claim was filed against a homeowner for a child injured at a facility being rented by the homeowner. The adjuster has denied the claim, but is the denial correct?…

An insured keeps a high value lawn tractor at a hunting camp owned by an LLC he’s part of. How does he insure that vehicle and its use? Will his…

Is there liability coverage for a camper trailer while used at a camp site? Is that an insured location? Does the motor vehicle exclusion apply?

A guest leaves your party where they consumed too much alcohol, has an accident, and you’re sued. Is this an HO or PAP exposure, or both? If it’s a PAP…

  Note: Emphasis added by the editor. The definition of a commodity is that the item is completely interchangeable with any other item of the same nature. For example, an…

A toilet overflows in a 4-story frame condo building and causes damage to structural components on all floors. Does the ISO CP 10 30 Special Causes of Loss cover this?…

A home is located on a lake that is covered in ice during the winter. In the spring, when the ice breaks up, a strong wind “pushes” ice across the…

An HO-6 condo form includes only Coverage A and C for direct damage to property…that is, no Coverage B. What if the insured owns a structure not attached to the…