Injury on Boat Dock—Homeowners or Boatowners? We insure a boatowner and another insurer writes the homeowners coverage. To protect his boat from…

Discusses damage from an ice dam to the interior of the home.

Discusses the liabiity of a landowner when tenant's TV is damaged by a short in the circuit breaker.

Liability Coverage on Right-of-Way? Our insured has a right-of-way through his property that is used consistently by the local power company. Since…

Guaranteed Replacement Cost—Effect on Other Coverages The standard HO-3 policy provides coverage for trees and shrubs in the amount of 5 percent…

Loss Assessment for New Roof? We have recently had a claim denied that has proven both disturbing and confusing, not only to us but to other agencies…

Leased Hunting Land—How to Insure? Our question concerns a group of people who individually lease acreage for hunting purposes on a seasonal…

Fire Department Service Charge Coverage under Homeowners We have a question about homeowners coverage for a fire department service charge. Our insureds…

Homeowners HO-6 and the Condo Association Policy Deductible Our HO-6 insured suffered covered water damage from plumbing to their unit. When we reviewed…

Earth Movement Caused by Tree Roots Our insured's detached garage has been damaged by a neighbor's tree roots. As you can imagine, this has been going…