Guiding Principles Not Binding on Insured?
Guiding Principles Not Binding on Insured? The Guiding Principles are not binding on insurers although many have voluntarily agreed to abide by the…
Read Full ArticleShowing Results For 'Channel: Personal Lines'
Liability for Tractor Off Premises
Liability for Tractor off Premises We are looking for your opinion regarding liability coverage for a farm/garden tractor under a HO 03 04/91…
Read Full ArticleDwelling Fire Policy and Tenant's Carport
Dwelling Fire Policy and Tenant’s Carport Our insured has a standard dwelling fire policy with the premises liability endorsement. The insured's…
Read Full ArticleDamage to Air Conditioner Caused by Power Surge
Damage to Air Conditioner Caused by Power Surge October 11, 2010 We have a coverage question under our HO3 policy. The insured's AC unit condenser was…
Read Full ArticleBusiness Personal Property and Theft Coverage under HO Policy
Business Personal Property and Theft Coverage under HO Policy We provide coverage to our insured under a homeowner’s policy. Coverage is written…
Read Full ArticleHomeowners Co-insurance Penalty
Homeowners Co-insurance Penalty Under an HO-3 open peril policy, is cleaning of the dwelling after a partial loss subject to the underinsurance penalty…
Read Full ArticleVolunteer Workers Coverage
Volunteer Workers Coverage Q We have questions that were put to us by a not for profit educational organization, and are unsure how to answer. This…
Read Full ArticleDamage to Common Areas under a Tenant Homeowners?
Damage to Common Areas under a Tenant Homeowners? Our insured, who rents one of three units in a landlord-occupied dwelling, has an AAIS tenant homeowners…
Read Full ArticlePortable Boat Hoist—Where Covered?
Portable Boat Hoist—Where Covered? Q We have an HO 00 03 05 01 insured. He has a boat insured with another carrier. Not long ago, a severe windstorm…
Read Full ArticleDamage to Liner of Inground Pool and Shrinking Exclusion
Damage to Liner of In-ground Pool—Shrinking Exclusion Our HO 00 03 10 00 insured reported the liner of his in-ground pool had shrunk over the…
Read Full Article