Personal Property Covered Away
from Residence Premises

Q

Our client's home is insured on an HO-3. He holds the mortgage on another house, where his son lives. His son is buying the house and making the payments to his father. This property is insured on a DP-3, with no contents coverage. Our client loaned his son some personal property—mainly furniture—which is located at the rental property. There was a small fire last month, and damage occurred to the dwelling as well as to much of the furniture. Coverage for the dwelling is not the issue here, but coverage for the furniture is.

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