Watercraft Liability Coverage for Homeowner's Friend? Our insured has a homeowners policy that is similar to the ISO HO 00 03. He has a boat with an…

Medical Payments Coveragefor Rental Property Q Our insured has an HO-3 (1984 edition) with the HO 70, Additional Residence Rented to Others, endorsement…

Other Insurance and Personal Property at Secondary Residence Our insured had a total fire at his vacation home. The home is insured on a DP 00 01 (07…

What Constitutes Business Property on a Homeowners Policy? Q Our HO 00 03 04 91 insured is a free-lance author. She was scheduled to go to Russia…

"Sistering" and the Repair of a Home Q We are a public adjusting firm. Our client's home is insured on an independently filed HO 00 03 05 01. A recent…

Photos Damaged—Is Repair Covered? Q Our homeowners insured has replacement cost coverage for contents. Recently, she sustained a covered loss…

Transportation Costs to Return from Vacation Covered? Q An insured was away on vacation when she learned of a fire at her home. She had to return…

Water Tank Adjacent to Insured's Property Q I have a customer whose home is built on a lot next to an elevated water tank. The tank holds approximately…

Water as Personal Property Q We have a loss under an AAIS homeowners form ML-3. Our insured's well was contaminated with fuel oil. We all agree that…

Student Away at College—Homeowners Coverage for Personal Property? Q Several of our clients have sons and daughters attending college away from…