Payment for Antique Knives November 23, 2009 The insured has an HO 04 90 04 91 Personal Property Replacement Cost endorsement. The insured had a collection…

Swine Flu and CGL Coverage November 16, 2009 The publicity regarding swine flu has raised a question in our office. Will the general liability policy…

Earth Movement Caused by Tree Roots Our insured's detached garage has been damaged by a neighbor's tree roots. As you can imagine, this has been going…

Homeowners Exclusion for Loss Caused by Civil Authority We have an insured with an AAIS homeowners form 3. Recently, the police fired tear gas into…

Hot Tub as a Swimming Pool? Our HO 00 03 04 91 insured has a hot tub on his deck that is kept full of water year round. This past winter was mild, but…

Luggage Lost or Stolen? This issue comes up a lot and there is always a difference of opinions. Our Insured flew on a commercial flight and although…

Engagement Ring—Who Should Insure? We would like your opinion concerning who has an insurable interest in an engagement ring. It has always been…

Liability Coverage for a Timeshare under a Homeowners Policy I have a question regarding time share property. As I understand it, you purchase a block…

Hunt Club Land and Business Pursuits Five of my clients covered by homeowners policies have formed a hunt club. They have purchased land in the name…

Falling Object Damaged by a Vehicle One of our homeowners clients is insured on AAIS form ML-3. He was transporting his lawn tractor on a trailer being…