Homeowners

Floods, winter storms, wildfires, severe convective storms or thunderstorms—natural disasters that are collectively known as secondary perils—can pose significant risks to homeowners.

​Some people might think renting out a room in their house through a vacation rental site like Airbnb or Vrbo is a great way to make some extra money. What they might not be thinking about is that a typical homeowners policy doesn’t provide coverage for t

An agency is getting regular requests from homeowners associations (HOAs) to list the HOA as an additional insured on its tenants’ renters insurance policies. However, the carriers will only list the HOAs as certificate holders or additional interests.

A client is purchasing half of a duplex to rent on a long-term lease. The underwriter says that coverage should be written on an HO3 policy with an endorsement providing coverage for rental to others.

Affluent homeowners face issues because of an aggregation of high-value homes in areas that are becoming riskier due to changing weather patterns.

Which policy would a couple living in a retirement community need to cover their improvements? Would it also cover their golf cart?

While the hard market has cut deep into nearly every insurance market, the scale and magnitude of its impact on the bread and butter of personal lines has turned what was once a simple product into a nightmare.