This article provides an overview of the NFIP program development, rules and rating.

This article discusses the eighteen conditions that apply to the section I property coverages of the ISO homeowners forms. Note that there are seventeen conditions for form HO 00 04.

Analyzes the conditions that apply to both sections I and II of the ISO 2011 homeowners forms. Also references the 2000 edition.

Words and terms used throughout the ISO Homeowners Policy, 2000 and 2011 Editions.

Analyzes the provisions applicable to ISO homeowners liability coverages. Discussion focuses on 2011 form wording but notes differences from the 2000 edition.

Analyzes exclusions found in Homeowners forms that provide open perils coverage, as well as general exclusions found in the Homeowners forms. Incorporates changes made in the ISO Homeowners 2011 Program.

Analysis of property coverage agreements in ISO Homeowners policies, 2011 program. Includes significant differences between current 2011 and 2000 editions.

Discusses ALE expenses once insured has permanently relocated.

Under Homeowners form, questions if decaying racoon is a rodent for purpose of coverage determination.

Insured claimed he paid rent for staying at a girlfriend's house when in fact the checks were never cashed.