Homeowners Program


November 29, 2022
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The HO 24 77 03 22 Canine Liability Exclusion endorsement form.

November 28, 2022

How is the hurricane deductible applied when there is damage to both the dwelling and personal property?

November 21, 2022

When the supposedly burned property didn't exist or wasn't in the building.

November 10, 2022

Florida's Office of Insurance and Regulation issues an emergency order regarding cancellations and nonrenewals.

November 07, 2022

The Supreme Court of Arizona recently answered two questions certified by the U.S. District Court for the District of Arizona that both concerned how an insurer may or may not use depreciation in calculating the actual cash value (ACV) of damaged property.

November 07, 2022

Policy language regarding cosmetic repairs and an endorsement requiring like kind and quality seem to be at odds in this particular question dealing with matching.

November 04, 2022

This cheat sheet gives you links to the ISO forms list to make it easy to find available ISO forms by line of business.

November 03, 2022

The Washington Office of the Insurance Commissioner has issued an expedited rule removing a controversial, temporary order banning the use of credit scoring in the development of premiums for personal lines policies.

October 31, 2022

Coins and stamps are some of the property with restricted limits on the homeowners policy. An issue is the difference between the coins in your pocket and the stamps you put on the mail, and those coins and stamps you collect. This discussion reviews court cases and policy language.

October 31, 2022

This homeowners endorsement HO 04 61 03 22 Scheduled Personal Property Coverage attaches to the standard homeowners forms and allows the insured to schedule specific property such as jewelry, cameras, silverware, stamps, coins and other property for a specific amount.