Briefcase an Item of Business Property? One of our homeowners insureds was on a business trip recently when his $400 briefcase was stolen from his hotel…

Broken Glass Used to Level Yard We have had an unusual claim submitted to us, and would like your thoughts. Our insureds have an HO 00 03 04 91 on a…

Artillery Fungus Damage Our HO-3 insured recently had mulch delivered to his home by a local nursery. After the mulch was spread around his plants,…

Business Personal Property and Theft Coverage under HO Policy We provide coverage to our insured under a homeowner's policy. Coverage is written…

Is the cost to tear out a wall to fix a broken gas pipe covered under a homeowners policy?

Boat Sinking and Loss of Personal Property An insured's boat sank and the personal property on the boat was lost. The insured's boat policy only had…

When the electrical current damages jewelry.

Business Use Exclusion Applies to Sales Party? The policyholder was hosting a Mary Kay make-up party (she was not the consultant, just the host). Once…

Business Pursuits—Charitable and Social Boards A question has come up as to whether liability arising from an individual's service without pay as…

Animal Damage Exclusion on Homeowners Policy Our insured's toddler left a plastic bottle of grape juice lying on the wall-to-wall carpet. The family…