Personal Lines

We had an insured call to advise that he was going on vacation and renting a car in his name. He has a 19 year old that he understands cannot…

Several years ago, I wrote an article called “”The Top 10 Reasons to Purchase the Rental Car Company’s CDW/LDW.” This article and a downloadable consumer version you can share with…

Although most damage waiver fees are considered outrageous, the insured is best advised to purchase the waiver for short-term rentals. This is not only in the best interest of the insured, but also the…

An insured wanted to buy a flood policy even though it was not required by the lender. The WYO underwriter said that since the policy was not required by the…

In many states, what is covered under an HO-6 and a condo association master policy is governed by state law. That may not be the case when there is a…

It’s a bizarre statement, but here goes anyway:  “Condo unit owners, even those on upper floors, should consider purchasing a dwelling flood policy that includes both contents coverage and building…

Throughout the country, flood maps are changing. For some policyholders this is good news, while for others it can be bad news. As flood maps change, the premiums for flood…

If a homeowners association (HOA) is not established as a condominium, the Residential Condominium Building Association Policy (RCBAP) can’t be used. This can create several problems, particularly if someone tries to…

A couple divorce, the wife moves out, and, although her auto is declared on the policy, she is not a named insured. Does she have physical damage coverage? (Note: One…

Zipcar is an innovative alternative to traditional car rental. The company describes itself as a “car sharing” company instead of a car rental company. The company currently operates in multiple…