Summertime can be a bonanza for burglars. If you insure second homes owned by “snowbirds,” the risk of burglary increases during the summer, especially in July and August, according to the Insurance Information Institute. But even an overnight trip can create the opportunity for theft. Spring is a good time to remind your clients of…
Charts are probably the most helpful resource for keeping track of key Homeowners’ policy provisions. Being able to see key information in one, easy-to-read form aids in memory and retention; besides, it allows easy recall because the charts can be printed for easy reference. ISO’s release of its 2022 multi-state homeowners’ filing requires two different…
The NFIP has promulgated a new rating program for all flood policies – Risk Rating 2.0. The goal is to modernize flood rating using technology and history to develop somewhat customized premiums. There are major changes, a new world to which those seasoned in flood rating must adjust!
While the ISO personal auto policy appears to wholly exclude any coverage for a person contracting a STD in an auto, this is not necessarily true of all coverage forms. Does the GEICO policy have a problem? Might it extend coverage because it doesn’t use ISO language? Maybe!
Does the personal auto policy extend coverage for a STD supposedly contracted in an insured auto? Well, “disease” is within the definition of bodily injury and there is no specific exclusion – so don’t laugh.
Flood insurance is, unusual. A flood policy essentially covers one peril but is surrounded by many unusual facts and facets that make flood coverage unlike any other. Agents must understand the uniqueness of flood to more effectively present it to clients. This series on flood insurance is divided into seven parts; following is part 7.…
Flood insurance is, unusual. A flood policy essentially covers one peril but is surrounded by many unusual facts and facets that make flood coverage unlike any other. Agents must understand the uniqueness of flood to more effectively present it to clients. This series on flood insurance is divided into seven parts; following is part 6.…
Flood insurance is, unusual. A flood policy essentially covers one peril but is surrounded by many unusual facts and facets that make flood coverage unlike any other. Agents must understand the uniqueness of flood to more effectively present it to clients. This series on flood insurance is divided into seven parts; following is part 5.…
Flood insurance is, unusual. A flood policy essentially covers one peril but is surrounded by many unusual facts and facets that make flood coverage unlike any other. Agents must understand the uniqueness of flood to more effectively present it to clients. This series on flood insurance is divided into seven parts; following is part 4.…
Flood insurance is, unusual. A flood policy essentially covers one peril but is surrounded by many unusual facts and facets that make flood coverage unlike any other. Agents must understand the uniqueness of flood to more effectively present it to clients. This series on flood insurance is divided into seven parts; following is part 3.…