One of the most standard things in a Homeowners policy is the definition of residence premises. It is the foundation for the property being insured, and at first look seems straightforward.
Water back-up is one of the more confusing coverages in homeowners policy. So what is a back-up, and how is it different from an overflow or a discharge?
Condo policies can be confusing, and both the unit owner and association must adhere to statutes that dictate where coverage is found for certain parts of the building.