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…

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,…

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…

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

Can pipe bursting be a covered explosion loss?

When the electrical current damages jewelry.

Bird Droppings and Damage to the Exterior of a Home Our homeowners insured is covered with a standard HO 00 03 04 91. During a recent storm a large…

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

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

Personal Auto Exclusion A.3 and Multiple Insureds We have a claim in which the policyholder works for an auto dealership. He had a demo vehicle at his…