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…

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…