Standard Time Definition Q We are having a debate in our office about whether the effective time of a homeowners policy is altered by daylight saving…

Theft and Vacancy Exclusions Not Applicable to Newly Renovated Dwelling Q Our client owns rental property (a home), covered by a special form dwelling…

Safe Deposit Box Drilling Covered? Our insured's dwelling and personal property were destroyed in a tornado. The keys to her lock box at the local bank…

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…

Ultra-Light Aircraft Q Recently our client's garage was destroyed by fire. An "ultra-light" aircraft, valued at $14,000 was also destroyed in the…

When a husband and wife are collecting additional living expense due to a homeowners loss, the policy does not cover the expenses of a spouse who leaves the other spouse and sets up an additional household.

Debris removal and tree coverage.

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…

A claimant was involved in a car accident with our insured. The claim against the insured was for property damage done to the other car and included…

Vehicle as a Cause of Loss on HO-3 Q Our HO-3 insured has a riding lawn mower. One day, while mowing his yard, which slopes, the mower got out of…