Engagement Ring—Who Should Insure? We would like your opinion concerning who has an insurable interest in an engagement ring. It has always been…

Homeowners HO-6 and the Condo Association Policy Deductible Our HO-6 insured suffered covered water damage from plumbing to their unit. When we reviewed…

If a condo owner did not purchase any coverage A, does the loss assessment coverage still apply?

Liability Coverage for a Timeshare under a Homeowners Policy I have a question regarding time share property. As I understand it, you purchase a block…

When ice breaks a tree limb, is the cause or loss ice or falling objects?

Hunt Club Land and Business Pursuits Five of my clients covered by homeowners policies have formed a hunt club. They have purchased land in the name…

IS a girlfriend a resident, roomer, boarder, or tenant?

Insurable Interest in Contract to Purchase Home Recently, one of our insureds signed a contract to purchase a home. We issued an insurance binder, because…

Earth Movement Caused by Tree Roots Our insured's detached garage has been damaged by a neighbor's tree roots. As you can imagine, this has been going…

Falling Object Damaged by a Vehicle One of our homeowners clients is insured on AAIS form ML-3. He was transporting his lawn tractor on a trailer being…