When a husband and wife are collecting additional living expense due to a homeowners loss, the policy does not cover the expenses of a spouse who leaves the other spouse and sets up an additional household.

A claimant was involved in a car accident with our insured. The claim against the insured was for property damage done to the other car and included…

Med Pay Coverage for a Go-Cart Accident? Our insured recently submitted a claim for injuries to their minor son. The son, age five, was operating a…

Parking Condo Coverage on Homeowners Policy? Q Our HO 00 03 05 01 insured owns, in conjunction with several other people, a private "parking…

Collision Loss Includes Damage to Eyeglasses? Q We have a question about coverage under a personal auto policy. Our insured was driving home after…

Personal Property Covered Away from Residence Premises Q Our client's home is insured on an HO-3. He holds the mortgage on another house, where his…

Discusses the difference between vandalism and simply changes to the property.

Is damage from a visiting ill dog covered under the homeowners policy?

Theft of Own Property by Insured Q We have an unusual situation. Our insureds were both named insureds on a homeowners policy (HO-3). They were not…

Contract Cancellation Cause of Loss We have a client who ordered $20,000 worth of new kitchen cabinets before they had a fire. The cabinets were never…