Engagement Ring—Who Should Insure? We would like your opinion concerning who has an insurable interest in an engagement ring. It has always been…

Liability Coverage for a Timeshare under a Homeowners Policy I have a question regarding time share property. As I understand it, you purchase a block…

Hunt Club Land and Business Pursuits Five of my clients covered by homeowners policies have formed a hunt club. They have purchased land in the name…

Falling Object Damaged by a Vehicle One of our homeowners clients is insured on AAIS form ML-3. He was transporting his lawn tractor on a trailer being…

Latent Defect Exclusion The roof of our insured's mobile home recently collapsed during a heavy rainstorm when rain collected on the roof. The adjuster…

Injury on Boat Dock—Homeowners or Boatowners? We insure a boatowner and another insurer writes the homeowners coverage. To protect his boat from…

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,…

Farm Personal Property versus Personal Property We write a lot of farm business. Our insured had a farm policy that provided coverage for farm personal…

Exclusion of Wet Rot—Homeowners We have an unusual situation and would like your opinion. Our homeowners insured's bathtub was improperly installed…

Intentional Injury Exclusion and Various Insurance Policies We just heard of a disturbing court case, in which a homeowner shot a man, who later…