Personal Lines

Ace nails the question of whether or not to insure a clay tennis court installed on personal property.

I’m Your Vehicle, Baby; The Third-Party-Over Party Isn’t Over; Hitchin’ a Ride

Information provided by the Insurance Information Institute shows why a significant number of insurers issue homeowners policies with animal liability exclusion endorsements. In fact, the Insurance Services Office (ISO) has rolled out a “canine exclusion”

Home Associations: Buyer Beware; Hurricanes and a Business Income Quirk; Multiple Occurrences in Personal Lines

A presentation in late 2010 by Robert Hartwig, president of the Insurance Information Institute, included a passage indicating the historic percentage of the personal lines market written through the independent agency system. The graph is rather dismal,

Analyzing When Autos are Available; Insurance Implications of Western Wildfires; Parental Liability and the PAP

When a typical grocery store visit goes awry, Ace is left to deal with a common claim.

Learn more below on surge and lightning protection in commerical property and homeowners policies.

A New York agent asks, “I have a question concerning nonpayment cancellations of personal lines policies. An insured makes a payment by personal check on a policy that is scheduled to cancel for nonpayment of premium. The check is properly received before

A Maryland agent asks, “Our insured suffered water damage to his basement when rain was blown in around and under the basement door. Apparently the door did not fit tight against the frame or floor, allowing wind-driven rain to enter the basement. Is this