Personal Lines

HO Coverage for Camper Trailer

Is there liability coverage for a camper trailer while used at a camp site? Is that an insured location? Does the motor vehicle exclusion apply?

Did You Get a Drone for Christmas?

There is a good chance that you or someone you know got a drone aircraft for Christmas. For many, the learning curve on controlling drones can be steep. What happens…

White Drone with Photo Camera on a yellow background. 3d Rendering

HO Liability Coverage for Floating Dock

An insured owns a home on the water and he has a floating dock anchored next to a buoy approximately 150 feet from shore. He wants to know if the…

Aerial view luxury motor boat. Drone view of a boat sailing. Top view of a white boat sailing to the blue sea. Motor boat in the sea. Travel - image.

HO Gun Liability Coverage

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…

Off-Premises Mobility for the Elderly

An increasing variety of motorized vehicles are being used to assist the elderly and handicapped in gaining mobility away from their residences. The question is, do they have any homeowners…

Which size of house can you afford? Concept shot: four differently sized models of houses on a blue background. Copy space available, web banner format

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,…

Dandelion clocks in meadow