Analyzes exclusions found in Homeowners forms that provide open perils coverage, as well as general exclusions found in the Homeowners forms. Incorporates changes made in the ISO Homeowners 2011 Program.

This article discusses the eighteen conditions that apply to the section I property coverages of the ISO homeowners forms. Note that there are seventeen conditions for form HO 00 04.

Analyzes the provisions applicable to ISO homeowners liability coverages. Discussion focuses on 2011 form wording but notes differences from the 2000 edition.

Discusses ALE expenses once insured has permanently relocated.

Under Homeowners form, questions if decaying racoon is a rodent for purpose of coverage determination.

Insured claimed he paid rent for staying at a girlfriend's house when in fact the checks were never cashed.

A recent office conversation involved a discussion of coverage for a town or board of education after an active shooter tragedy. Specifically,…

Are costs associated with dry cleaning and the rental of storage space covered by 1991 HO-3 policy?

Collapse coverage varies by form.

The following exclusions apply to: 1. all property covered under this form. c. Extremes of temperature or dampness of atmosphere. We do not pay…