How Vacant is Vacant – But What if it’s NOT Vacant?
Vacant land, or what qualifies as vacant land, is a common question for the VU. Two recent “Ask an Expert” questions specific to vacant land indicated the need to address…
Homeowners
Insured’s Party Gives Her Insurance Agent Heartburn
A customer is considering hosting a party for a church group on a property someone is giving her free access to. If there is a liability claim, will her ISO…
When Residents Have No Contents Coverage (and Worse)
The named insureds have separate HO-3 policies on two homes. One is occupied by their daughter as her primary residence, but she is not a named insured. The daughter’s residence was burglarized…
What is “Vacant Land”?
The ISO HO policies automatically include coverage for vacant land as part of the definition of “insured location.” But what constitutes “vacant land”? Does a water pump, abandoned building foundation,…
HO Coverage for Homes in Foreclosure
Do you have any homeowner insureds whose homes are or have been in foreclosure? Do you have any mortgage companies who, as a result of a foreclosure, are insisting that…
Vacant Land
Vacant land presents two problems. First, most people find it hard to believe that they could be sued because they own a piece of vacant land. Second, the characteristics that…
What Does “Used in Connection With” Mean?
The definition of “insured location” in the HO policy includes any premises “used in connection with” the residence premises. Exactly what does that mean?
