Homeowners Program


September 14, 2015
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HO 06 49 10 15 Broadened Residence Premises Definition Endorsement, October 2015 edition

September 14, 2015
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HO 06 48 10 15 Residence Premises Definition Endorsement, October, 2015 Edition

August 10, 2015

Discusses droughts and possible losses that can result.

August 07, 2015

Use of ATV at a state park.

August 03, 2015

Discusses water backing up through drains in the home.

Discusses rationale behind scheduling, coverages, and exclusions.

June 12, 2015
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This checklist provides various behaviors/actions/situations that could indicate arson was the cause of loss.

May 20, 2015

Solar panels are becoming more popular. We had a homeowners claim denied when solar panels collapsed due to weight of ice and snow. The panels were…

May 04, 2015

Discusses the Maryland Insurance Department's response to riots in Baltimore City.

April 20, 2015

Coinsurance on Other Structures April 20, 2015 I have a loss to other structures on the homeowners policy. Is coverage and coinsurance determined…