Homeowners

ISO has introduced two new HO endorsements and revised one HO endorsement. The revised endorsement seeks to clarify coverage for water back-up and sump discharge or overflow. The new endorsements…

A Pew Research study showed that 42% of college grads age 18-29 were living with their parents. Many of them attempted to make it on their own but, given economic…

An insured’s party guest wore spiked high heels that left major dents in his home’s hardwood floors. The adjuster has denied the damage, citing the “marring” and “wear and tear”…

Vandalism of grave markers at cemeteries is, unfortunately, a common loss exposure. When this happens, where is insurance coverage (if any) likely to be found? This article addresses the basic…

An increasing variety of motorized vehicles are being used to assist the elderly and handicapped in gaining mobility away from their residences. The question is, do they have any homeowners…

Some of your customers probably own jet skis. Even more will rent or use one if they live or vacation near the coast, lakes or waterways. When they rent or…

A woman who was in a wheelchair was attempting to get into her vehicle. As she turned in her wheelchair, she accidentally hit our insured’s vehicle (with her wheelchair) causing damage to…

Our faculty handles plenty of simple questions. However, frequently we get questions that, on the surface, seem simple, but on further inspection prove to be quite problematic, even controversial. Here’s…

A child who was a passenger on an ATV was injured and the insurer denied the claim under a premises liability policy, citing an exclusion for the ownership, maintenance or…

The homeowners policy is designed primarily to cover golf carts while used to play golf. Unfortunately, they are often used for many other activities. This article takes a look at…