Is Personal Property Covered on HO-3 during an Insured's Move? We have a client insured on a standard homeowners policy (HO 00 03 05 01). We recently…

Liability Coverage on Right-of-Way? Our insured has a right-of-way through his property that is used consistently by the local power company. Since…

Guaranteed Replacement Cost—Effect on Other Coverages The standard HO-3 policy provides coverage for trees and shrubs in the amount of 5 percent…

Fire Department Service Charge Coverage under Homeowners We have a question about homeowners coverage for a fire department service charge. Our insureds…

Insurable Interest in Contract to Purchase Home Recently, one of our insureds signed a contract to purchase a home. We issued an insurance binder, because…

Internet Fraud Covered Under Homeowners? Our homeowners insured paid a substantial sum of money for a Rolex watch he saw offered at an internet auction…

Is There Homeowners Coverage for Minor Children Who Leave Home? The minor son of our HO-3 client recently moved out. He has expressed his intention…

How Should HO 00 15 Be Applied in Piano Loss? Our homeowners insured has a 1916 mahogany Steinway grand piano that he purchased some fifteen years ago.…

Liability and Property of Others In discussing homeowners additional liability coverage on property of others you say that protection extends to property…

Expected or Intended Damage—Damage to Friend's Auto Hood An insured we represent was at a party with several friends. At some point during the party…