Personal Lines

Does an HO-3 cover Santa’s in-home “business”? Will a PAP protect his sleigh? Big “I” Virtual University staff weighs in on appropriate coverage.

Imagine living in a converted school bus, canvas yurt, home on wheels or tree house—all smaller than 500 square feet. Tiny homes are all about simplicity, but due to their unique size and mobility, insuring these small dwellings can be a challenge.

After the structure, home systems are a homeowner’s most valuable property. Make sure your clients don’t incur uncovered losses.

A carrier refuses to add the value of an insured’s solar panels to their homeowners policy. How should the agent respond?

If you work with millennial entrepreneurs on their commercial lines needs, cross-selling should be at the top of your to-do list. Here are a few tips for catering to a millennial’s unconventional lifestyle.

An insured wants to keep their 25-year-old child on their auto policy. Does this situation create coverage gaps under the standard ISO personal auto policy?

An agent’s client insures a tractor commercially for liability and physical damage. Will their HO policy respond if a loss occurs while someone else is driving it?

Within the collector car hobby, the racecar subset contains some of the most valuable, beloved vehicles in the world. But motorsports create unique challenges for insurers—prompting many racecar enthusiasts to opt for self-insurance over more traditional

The short answer is yes. The long answer is more complicated, depending on how your client uses their vehicle.

An agent complies with an auto leasing company’s request to change an insured’s policy. Are they setting themselves up for an E&O disaster?