Homeowners

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…

Once again, we find ourselves in the deeply political and emotional debate about guns, the second amendment, gun control, and safety. This discussion requires us to clear up some misconceptions…

ISO has changed the wording related to lawn mowers, golf carts and four-wheelers three times over the last several years. These changes, as you would expect, change the coverage provided.…

When your insureds use Yelp, Twitter or even Facebook they open themselves up to charges of libel and defamation of character. Is your personal lines client protected? A Yelper is…

Additional Living Expense is specifically limited in the HO policy; however, at least one group that undertakes to provide “expert” opinions believes that there is no limit. Be careful the…

No need to sugar-coat my opinion about lawyers. But, lest you think I’m just being mean, the crux of this article is that lawyers make reasonable and even good recommendations…

Attorney Randy Maniloff introduces us to the difference between “the” insured and “an” or “any” insured in the insurance policy. Many ignore these little words (“the,” “an” or “any”) in…

Valued policy laws require the insurance carrier to pay the face amount of the policy if the structure is a “total loss.” In these situations, it does not matter if…

Not to be overly dramatic, but ordinance or law is a very real personal lines exposure – often overlooked during the personal lines risk management and insurance planning process. Agents…

Underinsurance is still a problem. According to CoreLogic approximately 60 percent of homes are underinsured by 20 percent on average. Obviously, this leads to devastating results for the insured, and…