Personal Lines

Homes and the personal property within them are the frequent victims of sewer backup that originates on or off the residence premises. The question is, to what extent, if any,…

A squirrel entered a community center building that had just undergone a $2 million renovation. It either gnawed some wiring or otherwise came in contact with the electrical system, causing…

An insured backs into his wife’s car, damaging both vehicles insured under the same policy. The deductible provision says no deductible applies if an insured vehicle collides with another vehicle…

Concealed weapon and other gun laws seem to be proliferating around the country. Sooner or later, an insured or prospect is going to ask you if their insurance covers them…

The Affordable Care Act has permanently altered the health insurance industry and is a topic of tremendous importance to agents and brokers in all areas of insurance and financial advising.…

We are all aware of the human tragedy involved in the landslide which buried homes in Darrington, Washington in March 2014. From the perspective of our industry, the first question…

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…