HO 3 and DP 3 Differences
HO 3 and DP 3 Differences What are the main differences between the HO 3 and DP 3 policy forms? New York Subscriber The DP 3 provides property…
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Damage to Trees and Removal of Debris
Damage to Trees and Removal of the Debris May 20, 2015 A tree felled by wind landed across a driveway. It did not damage the driveway, it just blocked…
Read Full ArticleResidence Issue When Insured Travels for Business More Than He Is Home
Residence Issue When Insured Travels for Business More Than He Is Home May 21, 2013 My client owns a house in Pinehurst, NC. The home is insured…
Read Full ArticleDamage to Garage Door
Damage to Garage Door October 3, 2011 Our insured has a HO4 tenant form. He had opened the garage door and left the trunk lid of the van up because…
Read Full ArticleLiability Coverage for a Timeshare under a Homeowners Policy
Liability Coverage for a Timeshare under a Homeowners Policy I have a question regarding time share property. As I understand it, you purchase a block…
Read Full ArticleBuilding or Personal Property
Building or Personal Property? Is a refrigerator in an owner occupied dwelling considered part of the dwelling or part of the contents on a DP-1…
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Personal Auto Policy, January 2005 Edition
Read Full ArticleValuation—Actual Cash Value for Antiques Is Market Value
Valuation—Actual Cash Value forAntiques Is Market Value Q Our company has a difference of opinion on how to value unscheduled antiques under…
Read Full ArticleMitigation Expenses Coverage
Mitigation Expenses Coverage We would like to address a question that comes up continually with insurance companies. On landscaping and coverage B…
Read Full ArticleCollectibles as Business Property
Collectibles as Business Property A claim has been presented to us for payment resulting from a loss of antiques and collectibles due to a fire at an…
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