Homeowners Options for Leasing a Vacation Home with VRBO, Airbnb
An insured is considering renting their second home out out on VRBO or Airbnb. What homeowners insurance options would cover this risk?
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Tenant Vs. Landlord: Whose Policy Pays Restoration Costs for Water Damage?
The carrier is covering water damage to a nail salon’s pedicure platforms, but says the restoration expenses to remove the water and mold should be paid by the landlord’s policy.
Protective Safeguard Endorsement: Does Landlord Have Control of Tenants’ Fire Prevention Equipment?
An insured owns a shopping center with several restaurants. Failure to comply with the protective safeguards listed in the endorsement over which the insured has control would result in no coverage for a fire loss.
Is Water Damage from Lawn Irrigation Pipe Excluded as ‘Surface Water Damage’?
After a lawn irrigation pipe ruptured, water flooded the insured’s home and caused damage to the basement.
Damage to Premises Rented to You: How the CGL Limit Responds to a Fire
If an insured has a fire within a rented space that consumes it and moves outward into the neighboring retail space, what limits would respond?
Is ‘Permanently Installed’ Equipment Covered Under Building or Property?
A laundromat had a fire claim that damaged the bolted-down washing machines and dryers, which the carrier contends are considered personal property.
Does PAP Cover a Friend Borrowing a Listed Child’s Car?
A college student lends his car—which is covered on his parents personal auto policy—to a roommate, who gets in an accident.
Off-Premises Property Insurance: Who’s Liable in the Event of a Loss?
An insured installs and services bank equipment, including ATMs, which are stored at warehouses. The carrier says the warehouse is responsible for the property while it’s being stored, and won’t provide any coverage to the insured.
Does Child Listed on Parent’s PAP Have Rental Car Coverage?
Does only the named insured have liability coverage extended by the standard ISO personal auto policy or would a named driver also have coverage?
When Does Property Coverage for New Construction Begin?
An insured’s commercial building is almost finished construction. At what point does property coverage begin for the new construction under policy form CP 00 10 10 12 and corresponding form CL CP 00 34 10 18?
