VU Resources

Personal Lines

Click above to access information. While issues like in-home businesses and recreational vehicles are addressed in this section of the VU research library, the focus is on mainstream coverage and…

VU Research Library

We currently have an extensive number of articles that include coverage analyses. Many of our articles are based upon real-life questions received by our Ask an Expert service.

Homeowners

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Vehicles

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Animal Liability and Umbrella Policies

Since many homeowners policies do not cover animal liability (or in the case of ISO, canine liability), it begs the question of how personal umbrella and excess liability policies respond…

Opened yellow umbrella isolated on pastel pink studio background

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…

Red jet ski in the sea

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…

Toy car on the palm of a woman's hand on pink background. Protection, insurance auto concept

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…

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…

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