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Vehicles

Riding Mowers, Golf Carts, and Four-Wheelers: The Power of One Word

ISO has changed the wording related to lawn mowers, golf carts and four-wheelers three times over the last several years. These changes, as you would expect, change the coverage provided. How do each versions of ISO’s homeowners’ policies compare? That’s what this article addresses.

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Using Lawn Tractors Off Premises

An insured keeps a high value lawn tractor at a hunting camp owned by an LLC he’s part of. How does he insure that vehicle and its use? Will his homeowners policy suffice?

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Golf Carts...They're Not Just for Golf Anymore

The homeowners policy is designed primarily to cover golf carts while used to play golf. Unfortunately, they are often used for many other activities. This article takes a look at these uses and whether or not they can be covered by traditional insurance policies.

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Is a Motor Home a Home?

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 one involving motor homes and homeowners policies.

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Jet Skis

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 operate a jet ski, probably the last thing that crosses their minds is what insurance coverage they have. Is there homeowners coverage for damage to the jet ski or other property, or for bodily injury? What about coverage under a personal umbrella policy?

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Loading and Unloading...PAP or HO?

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 his vehicle. The woman reported the incident to her auto and homeowners carriers. Each has denied the claim, saying the other policy should respond.

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What Does "Use" of a Vehicle Involve?

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 USE of a motor vehicle. If someone is a passenger on a conveyance, are they 'using' that vehicle?

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