Named Insured does not Occupy Residence Premises—Two Our named insured owns a residence insured on an AAIS homeowners form, but he has not lived…

Family Member Includes College Student? Our insured's son went away to college and when he wanted to rent a vehicle, the rental company would only rent…

Bodily Injury to an Insured Our insured's daughter had her ears pierced, and an infection ensued. She had to have surgery and reconstruction of part…

Is a septic tank made of fiberglass covered under glass portion of a policy?

Water Damage to Personal Property Q We insure the tenant of a house under an HO 00 04 05 01, with broad form named perils on his personal property.…

Money or Business Property Limits at Issue Our homeowners insured maintains ATM machines. He recently made a substantial withdrawal at his bank and…

When you accidentally shoot the refrigerator.

Our insured is allergic to bee stings and was recently stung by a bee. He was driving himself to the doctor's office for treatment when he passed…

Personal Property in Self-Storage Facility Q The following situation has come up several times and we would like your opinion. Say an insured family…

Policy Period Discussion I would like to have your opinion on the following situation: The Personal Liability coverage under Insured Location definition…