Best Practice for Reviewing Water Damage Language in Homeowners Forms
Our Ask an Expert helps provide best practices for reading the policy to understand water damage coverage.
Personal Lines
Back to Basics – What Is the Surplus Lines Market?
With today’s hard market, more agents place business with the surplus lines market. This article provides a basic overview of the importance of the surplus lines market, and some pitfalls…
Building Your Own Home…Insurance Implications
It is not uncommon for a homeowner to serve as his or her own general contractor when building a new home. When doing so, there is an exposure to claims…
Insuring Rental Dwellings
An insured has 15 rental properties, none more than 4 units. An insurer covers them under 15 dwelling policies and has endorsed his homeowners policy to extend liability coverage to…
2011 Changes in the ISO Homeowners Program
In 2010, ISO filed its first major revision to its homeowners program in a decade. In this article, Ted Kinney reviews the 27 major changes to HO forms and endorsements,…
Top 10 Best Changes in the ISO HO2000 Program
In most major insurance filings there are policy changes that broaden coverage, some that restrict coverage, and some that claim to make “no change” in coverage. In this article, we’ll…
