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How should the agency respond? And how can agencies curb the trend of COI requests becoming more and more onerous?

If a customer declines coverage, how long does their declination stand for?

An insured is considering renting their second home out out on VRBO or Airbnb. What homeowners insurance options would cover this risk?

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.

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.

After a lawn irrigation pipe ruptured, water flooded the insured’s home and caused damage to the basement.

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?

A laundromat had a fire claim that damaged the bolted-down washing machines and dryers, which the carrier contends are considered personal property.

A college student lends his car—which is covered on his parents personal auto policy—to a roommate, who gets in an accident.

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.