Personal Lines

Can a Child Be Considered a Resident of More Than One Household; Laundromat Equipment: Building or Personal Property; Are Undeclared Premises Covered by the CGL Policy

Ace’s friend Ed is an inventor whose roof was damaged during an experiment. He had an emergency board-up job done to protect the contents of his home, but the carrier is denying Ed’s claim and refusing to pay the bill, because his policy covers only conte

Condon Skelly is implementing a different collector vehicle underwriting game plan since its acquisition in 2010 by Pennsylvania-headquartered multilines program administrator NSM Insurance Group.

Hold Harmless Agreements Aren’t Harmless; Boomerang Kids; Auto Insurance Suspensions Revisited

Someone steals two baseball tickets from Ace’s friend Sean, who paid $1,600 for both tickets. But under Sean’s HO3 policy, the insurance company only gave him the face value–$240–for both tickets. Is the insurance company correct?

PAP Coverage for Military Personnel; Waivers of Subrogation

Is It BAP or CGL?; College Students and Auto Insurance; College Students and Homeowners Insurance

Ace’s pal Barry fears a meteor will strike his house and that any damage to his house wouldn’t be covered by his homeowners insurance. But Ace tells him that he probably has more coverage than he thinks.

PAP Delivery Exclusions; The CGL and Damage Caused by Landscapers; PAP Coverage for Valet Parking

While on a Caribbean cruise, Ace meets an unmarried couple who share a home together. He breaks the news that the boyfriend’s HO-3 policy doesn’t fully cover his girlfriend’s personal belongings—including the Rolex watch that she’s wearing.