Business Property or Insured’s Property Under AAIS form HO 0003 01 05, coverage C, a. 2) we find coverage for “personal property…

Property Held for Rental Coveredby Homeowners Policy? Q Our client has an HO 00 03 05 01 on his primary residence in Florida. He also owns a condo…

Storm Damage—Coverage for Ice Damming (HO-2) Q I am requesting your view on a problem that has come up during the processing of winter storm…

Vehicle Used to Service the Premises Q Our insured has a HO 00 03 04 91. He hired a contractor to do some work on his property that necessitated the…

Vehicles Used to Service the Insured Premises Q We insure a home under AAIS form 3, edition 2.0. The insured owns a go-kart that was damaged by one…

Vehicle Peril—Capsized Boat Q A homeowners insured (form HO-4) has submitted a claim for a watch, binoculars, clothing, etc. lost when his sailboat…

Theft from Home Not Yet Occupied Q Our insured sold his house prior to having a new one constructed. He moved into an apartment and put his contents…

Replacement Cost—Second Insurer Liable Even if First Insurer Paid Too Much Q One of our homeowners insureds was paid for a total loss to his…

Medical Payments to Others—Preventive Medical Care Q We have a question about homeowners medical payments coverage. Our insured was entertaining…

Repeated Seepage or Leakage Q Our insured is covered under an HO 00 03 04 91. Some time ago he noticed a wet patch on his bedroom wall. He meant to…