Personal Lines

Everything You Ever Wanted to Know About Trees and the HO Policy; How the Insurance Grinch Stole Christmas; Insuring “Significant Others”

Santa’s sleigh—covered by a personal auto policy, homeowners or something else? Find out how Ace solves the Case of the Merry Mystery Shopper.

Mice chew through a Jeep soft-top that belongs to Ace’s Uncle Ned, while it was stored in his shed. Uncle Ned is afraid that his homeowners carrier will deny the claim—but Ace says he has good and bad news for his relative.

How to Value Leased Property Claims; Transporting Kids to School Events; Insuring Kids in Your Care

While tailgating before a football game, Tina Redskina tells Ace that she can’t use her “removable tailgate system” becuase her insurer says it’s excluded under her homeowners C coverage. Does Ace agree?

An insured owns an expensive home with numerous custom windows. He hired a window washer to remove plaster and varnish from the windows, but the workman scratched most of them. The insured subsequently learned that the window washer is uninsured. Does he

An insured has a small kitchen fire that causes fire and smoke damage to the range, hood and cabinets in the area of the fire. In addition, other cabinets in the L-shaped kitchen are just smoke-damaged. The carrier says it will only cover the two cabinets

Insuring Nonowned RV Exposures; Golf Course Liability; Golf Course Weather Damage and Business Income Coverage

The side wall of a pump house blew out after a water tank exploded, caused by points stuck on the well pump. The insurance company denied coverage under the ISO 2000 edition HO-3 policy, citing a mechanical breakdown. But is this correct?

Ace’s cousin damages his car on the highway when he hit a recliner that had fallen off another vehicle. His insurance company not only claims it as a collision loss, but also decides it is an at-fault accident. To help his cousin, Ace looks to the laws of