Is Personal Property Covered on HO-3 during an Insured's Move? We have a client insured on a standard homeowners policy (HO 00 03 05 01). We recently…

Liability Coverage on Right-of-Way? Our insured has a right-of-way through his property that is used consistently by the local power company. Since…

Guaranteed Replacement Cost—Effect on Other Coverages The standard HO-3 policy provides coverage for trees and shrubs in the amount of 5 percent…

Fire Department Service Charge Coverage under Homeowners We have a question about homeowners coverage for a fire department service charge. Our insureds…

Liability and Property of Others In discussing homeowners additional liability coverage on property of others you say that protection extends to property…

Expected or Intended Damage—Damage to Friend's Auto Hood An insured we represent was at a party with several friends. At some point during the party…

Our HO 00 03 05 01 insured recently suffered damage from melting ice and snow.

Are gift certificates covered as cash or something else?

Discusses application of loss assessment coverage to types of property damaged.

Application of special limit to equipment for firearms.