HO Coverage for Camper Trailer
Is there liability coverage for a camper trailer while used at a camp site? Is that an insured location? Does the motor vehicle exclusion apply?
Personal Lines
Personal Lines Host Liquor Liability Revisited
A guest leaves your party where they consumed too much alcohol, has an accident, and you’re sued. Is this an HO or PAP exposure, or both? If it’s a PAP…
Coverage for Property Damage Caused by Toilet Overflow
A toilet overflows in a 4-story frame condo building and causes damage to structural components on all floors. Does the ISO CP 10 30 Special Causes of Loss cover this?…
Property Coverage for Damage Caused by Windblown Lake Ice
A home is located on a lake that is covered in ice during the winter. In the spring, when the ice breaks up, a strong wind “pushes” ice across the…
Insuring “Other Structures” on HO-6 Condo Policies
An HO-6 condo form includes only Coverage A and C for direct damage to property…that is, no Coverage B. What if the insured owns a structure not attached to the…
Insuring Hot Tubs on an HO Policy
An HO customer’s hot tub is damaged by the freezing of a water line. Does the ISO HO-3 cover this cause of loss? What if the root cause is mechanical…
Bad Exclusions, Trial Lawyers, and Big I Advocacy
Sometimes we come across policy exclusions that shouldn’t be there but, due to human error, they’re there. If such inappropriate exclusions are used to deny a claim, what should be…
Coverage for Potted Trees, Shrubs and Plants Under HO Policies
Does the trees, shrubs and plants Additional Coverage in a Homeowners policy apply inside and outside the home? Does it apply to plants in a yard or to potted plants…
Why is an Open Perils Policy Superior to a Named Perils Policy?
If asked to give examples of claims that would likely be covered by an open perils property policy but not by a named perils policy, could you? We’ve compiled a…
Did You Get a Drone for Christmas?
There is a good chance that you or someone you know got a drone aircraft for Christmas. For many, the learning curve on controlling drones can be steep. What happens…
