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…

Latent Defect Exclusion The roof of our insured's mobile home recently collapsed during a heavy rainstorm when rain collected on the roof. The adjuster…

Injury on Boat Dock—Homeowners or Boatowners? We insure a boatowner and another insurer writes the homeowners coverage. To protect his boat from…

Guaranteed Rebuilding Coverage Our insured has an HO 00 03 10 00 with endorsement HO 04 11 10 00 additional limits of liability for coverages A, B,…

Farm Personal Property versus Personal Property We write a lot of farm business. Our insured had a farm policy that provided coverage for farm personal…

Internet Fraud Covered Under Homeowners? Our homeowners insured paid a substantial sum of money for a Rolex watch he saw offered at an internet auction…

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.…

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…