Broken Glass Used to Level Yard We have had an unusual claim submitted to us, and would like your thoughts. Our insureds have an HO 00 03 04 91 on a…

Bird Droppings and Damage to the Exterior of a Home Our homeowners insured is covered with a standard HO 00 03 04 91. During a recent storm a large…

Business Pursuits—Charitable and Social Boards A question has come up as to whether liability arising from an individual's service without pay as…

Business Use Exclusion Applies to Sales Party? The policyholder was hosting a Mary Kay make-up party (she was not the consultant, just the host). Once…

Assignment of Claim Payment Farm Bureau Mutual Insurance Company's Policy States, “Change/Assignment of Interest---No change of interest in this…

Briefcase an Item of Business Property? One of our homeowners insureds was on a business trip recently when his $400 briefcase was stolen from his hotel…

Artillery Fungus Damage Our HO-3 insured recently had mulch delivered to his home by a local nursery. After the mulch was spread around his plants,…

Animal Damage Exclusion on Homeowners Policy Our insured's toddler left a plastic bottle of grape juice lying on the wall-to-wall carpet. The family…

Is the cost to tear out a wall to fix a broken gas pipe covered under a homeowners policy?

Business Personal Property and Theft Coverage under HO Policy We provide coverage to our insured under a homeowner’s policy. Coverage is written…