Personal Lines

The HO 04 60 covers acquired jewelry (for a sublimit) if reported within 30 days. If any insured buys jewelry on March 7 but doesn’t pick it up until April…

With summer upon us, now is the time that many families make the move from one home to another. Most likely, many of them are already looking or even negotiating for…

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…

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…

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,…

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…

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…

Recently we’ve seen an escalation of questions regarding the insurance coverage implications of chinese drywall. Everyone is familiar with the press being given to claims involving drywall shipped from China…

Many people are often asked to serve in a volunteer capacity as board members on non-profits, school PTA organizations and booster clubs, church boards, and civic organizations, or they may…

Your daughter is getting married and friends with a beautiful lake home have offered their place for the reception. Concerned about personal liability, you check your HO policy but the…