Personal Lines

In the “HO-2000 world,” ISO has promulgated over 145 homeowners’ endorsements. Some of these endorsements take protection away (we want to stay away from those), some apply to specific exposures…

When writing a PAP, the “risk” must meet specific eligibility guidelines. Five of these eligibility guidelines are discussed in this article.

Based on the dictionary meaning of “resident,” is there really an age limitation on kids away at college? Paragraph 5.a.(1) states that an insured is a relative who is a…

What coverage does your insured have when they travel for vacation? More importantly, what coverage don’t they have? Although there is worldwide protection for the insured’s stuff, what are the…

What an industry we chose! We get to see the good, the bad, the ugly, the stupid and utterly ridiculous. This is the stuff of legend and it reminds us…

Trusts are often used as a means to avoid some of the issues related to probate and estate taxes. However, the lawyers rarely tell insureds that when a trust is…

The concept of actual cash value (ACV) is far more complicated than “replacement cost minus physical depreciation.” In fact, the meaning of replacement cost differs based on the state. To…

Here’s your one-stop-shop for Liability Coverage for Trailer-Related Liability: Primary and Excess Protection.

Individuals who live in or own homes in a home association face increased financial risks from assessments. Personal lines policies cover some of the assessments, but increased limits of loss…

Insurance Services Office (ISO), based on a 2016 survey of millennials, recently introduced the PM 00 43 – Your Belongings Form to allow insureds without a perceived need for a…