MSO Homeowners MHO6Homeowners Coverage Form August 3, 2012 Summary: The Mutual Service Office, Inc. (MSO), provides custom rates,…

MSO Homeowners MHO3 HOMEOWNERS Coverage Form  August 3, 2012  Summary: The Mutual Service Office, Inc. (MSO), provides custom rates, statistical…

Collapse of Floor August 1, 2012 PH insures a home under her HO 3 policy. The dwelling has a sunroom built on wooden piers. The patio floor caves in…

Water Damage from Back Up in Sewer Excluded  Homeowners brought an action against the city, the homeowners' insurer, and sewer maintenance companies…

Discusses the definitions of vandalism and malicious mischief in named perils property policies, specifically the ISO homeowners policy. Includes information on the broad interpretation of the term and loss scenarios.

Second Claim Occurs Before First Claim Repairs Completed July 10, 2012   This is in reference to a non-owner occupied (rental) property. The insured…

Personal Injury Protection—Kentucky July 11, 2012 Personal Auto No-Fault Endorsement   Summary: The Kentucky Motor Vehicle Reparations…

Personal Injury Protection—North Dakota   July 6, 2012 Automobile No-Fault Endorsement   Summary: North Dakota law imposes on the…

Discusses the earth movement exclusion in both commercial and personal lines policies.

Recommending Extended Nonowned Coverage—Archived Article September, 2001 For Company Cars, Rented Autos, Etc. Summary: There are times when…