IS a girlfriend a resident, roomer, boarder, or tenant?

Guaranteed Rebuilding Coverage Our insured has an HO 00 03 10 00 with endorsement HO 04 11 10 00 additional limits of liability for coverages A, B,…

Farm Personal Property versus Personal Property We write a lot of farm business. Our insured had a farm policy that provided coverage for farm personal…

Is There Homeowners Coverage for Minor Children Who Leave Home? The minor son of our HO-3 client recently moved out. He has expressed his intention…

How Should HO 00 15 Be Applied in Piano Loss? Our homeowners insured has a 1916 mahogany Steinway grand piano that he purchased some fifteen years ago.…

Exclusion of Wet Rot—Homeowners We have an unusual situation and would like your opinion. Our homeowners insured's bathtub was improperly installed…

Is Personal Property Covered on HO-3 during an Insured's Move? We have a client insured on a standard homeowners policy (HO 00 03 05 01). We recently…

Internet Fraud Covered Under Homeowners? Our homeowners insured paid a substantial sum of money for a Rolex watch he saw offered at an internet auction…

Homeowners and Personal Auto Policy—Loss Covered by Both?<br>Our insured borrowed a pickup from his father-in-law, which had a utility trailer attached.…

Intentional Injury Exclusion and Various Insurance Policies We just heard of a disturbing court case, in which a homeowner shot a man, who later…