Is There Homeowners Coverage for Minor Children Who Leave Home? The minor son of our HO-3 client recently moved out. He has expressed his intention…

How Should HO 00 15 Be Applied in Piano Loss? Our homeowners insured has a 1916 mahogany Steinway grand piano that he purchased some fifteen years ago.…

Leased Hunting Land—How to Insure? Our question concerns a group of people who individually lease acreage for hunting purposes on a seasonal…

Discusses the liabiity of a landowner when tenant's TV is damaged by a short in the circuit breaker.

Exclusion of Wet Rot—Homeowners We have an unusual situation and would like your opinion. Our homeowners insured's bathtub was improperly installed…

Intentional Injury Exclusion and Various Insurance Policies We just heard of a disturbing court case, in which a homeowner shot a man, who later…

Is Personal Property Covered on HO-3 during an Insured's Move? We have a client insured on a standard homeowners policy (HO 00 03 05 01). We recently…

Liability Coverage on Right-of-Way? Our insured has a right-of-way through his property that is used consistently by the local power company. Since…

Guaranteed Replacement Cost—Effect on Other Coverages The standard HO-3 policy provides coverage for trees and shrubs in the amount of 5 percent…

Loss Assessment for New Roof? We have recently had a claim denied that has proven both disturbing and confusing, not only to us but to other agencies…