Our Option Clause and Loss Settlement
Our Option Clause and Loss Settlement My question involves the Section I - Conditions Section of the HO 00 05 10 00 Policy Form, specifically in regard…
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Vehicles Used to Service the Insured Premises
Vehicles Used to Service the Insured Premises Q We insure a home under AAIS form 3, edition 2.0. The insured owns a go-kart that was damaged by one…
Read Full ArticleOccasional Bed and Breakfast
Occasional Bed and Breakfast November 15, 2013 The homeowner policy allows for occasional rental of the dwelling to others. What if the insured decides…
Read Full ArticleValuable Articles Coverage for the Loss of Wine
Valuable Articles Coverage for the Loss of Wine We insure a wine collection under a valuable articles policy. It is an all risk policy, offering coverage…
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Homeowners 4 Contents Broad Form, April 1991 Edition
Read Full ArticleVehicle as a Cause of Loss on HO-3
Vehicle as a Cause of Loss on HO-3 Q Our HO-3 insured has a riding lawn mower. One day, while mowing his yard, which slopes, the mower got out of…
Read Full ArticleGuaranteed Rebuilding Coverage
Guaranteed Rebuilding Coverage Our insured has an HO 00 03 10 00 with endorsement HO 04 11 10 00 additional limits of liability for coverages A, B,…
Read Full ArticleLiability for Third Party Injury at Campsite
Liability for Third Party Injury at Campsite The insured has a camper which is hauled to a rented campsite by a personal auto, unhooked from the vehicle…
Read Full ArticleBusiness Use Exclusion Applies to Sales Party
Business Use Exclusion Applies to Sales Party? The policyholder was hosting a Mary Kay make-up party (she was not the consultant, just the host). Once…
Read Full ArticleEmbezzlement and the Homeowners Policy
Embezzlement and the Homeowners Policy Our insured is one of those people who lost money in the Madoff scheme. Is there any coverage for the insured's…
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