Personal Lines

This piece answers three condo questions for unit owners. First, when the unit owner is responsible for insuring unit improvements and betterments, is this limited to improvements made by them…

Although the unit owner doesn’t own the entire structure, they may have responsibility for insuring some “real property” elements that are part of the building. And the only way to…

What happens with there is not enough coverage from the NFIP to cover the condo association. Do the unit owners purchase their own coverage or does the association have to…

A customer is considering hosting a party for a church group on a property someone is giving her free access to. If there is a liability claim, will her ISO…

Your insured’s 21 year old daughter is moving from a dorm to an apartment at college. She has been covered on your family HO and PUP policies but the underwriter…

We often get questions about in ground pools and whether they’re HO Coverage A or B. HO guru David Thompson explains, with photos, why this isn’t always cut and dried,…

A dock is damaged by a covered peril but the carrier denies the claim, citing the “piers, wharves, docks” exclusion. You argue that his language applies to permanent docks, not…

What happens if an insured’s tree falls and damages property or injures someone on a neighbor’s premises? If the occurrence is caused by an “Act of God,” is the insured…

From “host liquor” in a CGL policy to “vacant land” in an HO policy, we often relying on automatic coverages for certain exposures to cover an insured who has an…

A claim was filed against a homeowner for a child injured at a facility being rented by the homeowner. The adjuster has denied the claim, but is the denial correct?…