Deductible not Applicable to Transportation Expenses Under the standard business auto policy, transportation expenses of up to $20 per day is allowed…

Collectible Coins and Special Limits Our insured was the victim of a burglary from his residence. Among the items stolen were a collection of coins.…

Special Limits and Fine Arts Regarding the HO 3, please confirm there are no Special Limits of Liability under Contents for Fine Arts, artwork, etc…

Crossed Wires Caused Artificially Generated Electrical Current Our insured was changing a light bulb in an old fixture and the wires crossed, causing…

Refrigerator with an Odor We had an insured who had their refrigerator stop running while they were on vacation for a week. When they returned it was…

Medications Considered to be Personal Property? Would you consider personal medication part of personal property coverage? West Virginia Subscriber…

Homeowners Co-insurance Penalty Under an HO-3 open peril policy, is cleaning of the dwelling after a partial loss subject to the underinsurance penalty…

Fungi Endorsement Application I have a mold claim on a form 3 homeowner policy. They have the fungi coverage endorsement. The endorsement states we…

Deceased Insured and Coverage for Remaining Property Our named insured passed away in November 2007. The house remains unoccupied. In late December…

Sales Tax on Contents I am located in North Carolina handling an HO-2 fire claim with ACV only coverage on Cov C for the property owner. We submitted…