You may be trying to access this site from a secured browser on the server. Please enable scripts and reload this page.
Turn on more accessible mode
Turn off more accessible mode
Skip Ribbon Commands
Skip to main content
Turn off Animations
Turn on Animations
Hidden Anchor
Follow
Special Menu
About
Big "I" Celebrates 125 Years
Contact Us
Find an Agent
Member Directory
Find State Association
International Members
Your State
Media
Find an Agent
Sign In
search
main menu
panel menu
It looks like your browser does not have JavaScript enabled. Please turn on JavaScript and try again.
default
Services
Programs
ACT
Ask an Expert
Best Practices
Big "I" Hires
Company Partners
Trusted Choice Relief Fund
Diversity
E&O Risk Management
Government Affairs
IA Magazine
InsurPac
InVEST
Legal Advocacy & Governance
Marketing and Branding
TechCompare
Trusted Choice
Virtual University
Young Agents
Products
Big "I" Markets
Big "I" Flood
Crump Life Insurance Services
Eagle Alliance
Employee Benefits
Home Business
InsurBanc
Professional Liability
Retirement
Umbrella
Business Resources
Resources
Big "I" News
IA Magazine
Virtual University
Ask an Expert
Agency Universe Study
How To Start An Independent Agency
Agency Perpetuation
Market Share Report
Technology
Marketing
Diversity & Inclusion
Right Start Series
Cyber Resources
Talent Recruitment
E&O Risk Management
Disaster Relief Fund
Contract Review
Young Agents
Events Calendar
Webinars
Branding and Marketing
Market Access
Market Access Newsletter
Events
Big "I" Legislative Conference
ACT Meeting
Big "I" Fall Leadership Conference
Events Calendar
Big "I" Winter Meeting
Webinars
Government Affairs
Issues
InsurPac
Legislative Conference
Press Releases
Belong
VU Research Library
VU Research Library
Personal Lines
Homeowners
Virtual University
Research Library
Checklists, Charts & White Papers
Commercial Lines
Auto
Endorsements
Garage - Auto Dealers
Liability
Other
Physical-Damage
Business Income
CGL
Additional-Insureds
Conditions
Contractual
Coverages
Crime
Definitions
Endorsements
Exclusions
Insureds
Liability
Other
Flood
Miscellaneous
Professional-Liability
Property
Conditions
Coverages
Endorsements
Exclusions
Others
Perils
Workers' Compensation
Life-And-Health
Health
Life
Miscellaneous
Personal Lines
Auto
Conditions
Endorsements
Insureds
Liability
Other
Physical-Damage
Rental-Cars
Flood
Flood Resources
Homeowners
Conditions
Condo-Issues
Definitions
Endorsements
Insureds
Liability-Coverages
Liability-Exclusions
Others
Property-Coverages
Property-Exclusions
Property-Perils
Vehicles
Currently selected
Miscellaneous
Agency Management
Certificates of Insurance
Compensation
Contracts
Customer Service
E&O
Human Resources
Management
Miscellaneous
Perpetuation
Procedures
Professional Development
Regulation
Sales
Valuation
Ask an Expert
Talent Recruitment and Development
Online Learning Resources
ABEN Continuing Education
ABEN Webinars
default
OTHER PAGE
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.
[more]
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?
[more]
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.
[more]
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.
[more]
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?
[more]
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.
[more]
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?
[more]