Personal Lines

An insured’s party guest wore spiked high heels that left major dents in his home’s hardwood floors. The adjuster has denied the damage, citing the “marring” and “wear and tear”…

Vandalism of grave markers at cemeteries is, unfortunately, a common loss exposure. When this happens, where is insurance coverage (if any) likely to be found? This article addresses the basic…

It is remarkable how many questions we get about exposures involving pulling trailers. Pulling personally-owned trailers with business-owned autos. Pulling business-owned trailers with personally-owned autos. Using trailers as music stages.…

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…

Insurance professionals should explain the benefits of insuring to 100 percent of the replacement cost on the RCBAP (as well as all type of policies) covering buildings or personal property.…

Since many homeowners policies do not cover animal liability (or in the case of ISO, canine liability), it begs the question of how personal umbrella and excess liability policies respond…

Some of your customers probably own jet skis. Even more will rent or use one if they live or vacation near the coast, lakes or waterways. When they rent or…

A woman who was in a wheelchair was attempting to get into her vehicle. As she turned in her wheelchair, she accidentally hit our insured’s vehicle (with her wheelchair) causing damage to…

Our faculty handles plenty of simple questions. However, frequently we get questions that, on the surface, seem simple, but on further inspection prove to be quite problematic, even controversial. Here’s…

A child who was a passenger on an ATV was injured and the insurer denied the claim under a premises liability policy, citing an exclusion for the ownership, maintenance or…