Damage to Property due to Service of Search Warrant Does the Dwelling Property 3 cover damage to the dwelling by police serving a search warrant on…

Student Away at College—Homeowners Coverage for Personal Property? Q Several of our clients have sons and daughters attending college away from…

When lightning hits a well and wind from the same storm topples a tree, is it 1 loss or 2?

Named Insured does not Occupy Residence Premises—Two Our named insured owns a residence insured on an AAIS homeowners form, but he has not lived…

Family Member Includes College Student? Our insured's son went away to college and when he wanted to rent a vehicle, the rental company would only rent…

Bodily Injury to an Insured Our insured's daughter had her ears pierced, and an infection ensued. She had to have surgery and reconstruction of part…

Is a septic tank made of fiberglass covered under glass portion of a policy?

Water Damage to Personal Property Q We insure the tenant of a house under an HO 00 04 05 01, with broad form named perils on his personal property.…

Money or Business Property Limits at Issue Our homeowners insured maintains ATM machines. He recently made a substantial withdrawal at his bank and…

When you accidentally shoot the refrigerator.