We have a term for those who sell insurance based upon personal opinion as opposed to skillful application of knowledge: Erors & Omissions defendants.
In a recent claims education class that I teach, I presented a case in which an insured was seeking coverage for a boathouse located on the end of a dock. The dock ran from the insured homeowner's property out into a major river, and the boathouse was actually a utility building the insured had constructed for storing fishing tackle and boating equipment.
The question before the class was whether a fire loss to the boathouse was covered under Coverage B of the insured's ISO Homeowners' policy (HO 00 03 05 11). The student consensus was that such a loss would be covered. I then pointed out that under the policy form wording, not only is there no guarantee that the boathouse claim will be paid, but that, technically, it shouldn't be. The applicable wording from Coverage B in the HO 00 03 05 11 reads:
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