Summary: For most personal lines insureds, standard homeowners and auto policies provide sufficient coverage. There are situations, however, that qualify for special attention—coverage gaps that should be filled to maximize protection for the insured. Recognize, though, that not all gaps can be neatly filled. There are some situations that are simply uninsurable.

In the following discussion, we examine personal lines coverage gaps and what, if anything, can be done to bridge those gaps. Unless otherwise noted, the forms alluded to in this discussion include ISO's homeowners HO 00 03 04 91 and HO 00 03 10 00 and HO 00 03 05 11and personal auto policy (PAP) PP 00 01 06 98. 

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