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…

Explain the Reason for Coinsurance to Your Insureds—Archived Article December, 2001 Using This Example Will Make It Easy Summary: It is…

Coverage for a Rented Houseboat June 19, 2012 The insured has a HO-3 policy and is going on a trip and renting a house boat. If the insured was liable…

An explanation of public or livery conveyance and use of a personal car by a realtor and others.