Discusses perils insured against, how special limits of liability apply, and exclusions in the ISO HO 00 05.

Summary: Drones have been the latest new technology to catch the headlines. They are unmanned aircraft, often compared to model aircraft, but have…

Analyzes the progressively broader array of perils provided in the ISO Homeowners 2011 Program, including differences between the 2000 and 1999 programs. This discussion concentrates on named perils coverage.

Motorized Property   July 22, 2015   ISO Forms for Scheduling   Summary: The Insurance Services Office (ISO) has added forms to its…

Rented Hall and Alcohol July 4, 2016 My insured is covered by an HO3 10/00. They will be renting a hall for their daughter's wedding. The hall would…

This chart provides the state requirements for uninsured motorists coverage.

HO 06 44 04 16 Roof Surfacing Cosmetic Damage Exclusion - Windstorm or Hail, April 2016 Edition

HO 06 43 04 16 Cosmetic Damage Exclusion - Windstorm or Hail, April 2016 Edition

The endorsements for cosmetic damage exclusions are explained.

Settlement for Loss of Cell Phone June 13, 2016 A cell phone is part of a covered loss in a homeowners policy. The insured obtained the cell phone at…