• Homeowners Pollution Exclusion

    Homeowners Pollution Exclusion The ISO and AAIS Forms Summary: The first party property pollution exclusion found in the homeowners forms developed by Insurance Services Office (ISO) and by the American Association of Insurance Services (AAIS) has been broadened considerably in scope when...

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  • The Business Pursuits Exclusion—Archived Article

    The Business Pursuits Exclusion—Archived Article Homeowners Section II Exclusion Summary: The homeowners business pursuits liability exclusion, which also appears in the dwellings program personal liability supplement, excludes coverage for liability arising out of business activities of...

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  • Coverage for Backup of Sewers and Drains—Archived Article

    Coverage for Backup of Sewers and Drains—Archived Article Exclusion vs. Named Peril Summary: Standard homeowners forms, like most property forms in current use, exclude all loss “caused directly or indirectly by any of the following . . . water which backs up through sewers or drains or...

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  • Homeowners and Premises Liability—Archived Article 2

    Homeowners and Premises Liability—Archived Article 2 Standard of Care Owed Summary: “A man's home is his castle” goes the saying. However, today's castles are not surrounded by stone walls and moats. Does the unguarded condition of a homeowners premises leave the homeowner open to...

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  • Personal Lines Coverage Gaps - Archive

    Personal Lines Coverage Gaps - Archive Can They Be Filled? Summary: For most personal lines insureds, standard homeowners and auto policies provide sufficient coverage. There are situations, however, that qualify for special attention—coverage gaps that should be filled to maximize protection...

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  • Earth Movement Exclusion - Archive

    Earth Movement Exclusion - Archive Opposing Views: Any Movement vs. Natural and Catastrophic Summary : Property policies generally exclude earth movement as a cause of loss. What constitutes earth movement for purposes of the exclusion? There are two views that have been developed in the courts:...

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  • Intrafamily or Household Exclusions - Archive

    Intrafamily or Household Exclusions - Archive Exclusion May Be Valid or Invalid Depending Upon the Jurisdiction Summary: Various personal lines policies include a family or household exclusion that eliminates coverage for damages resulting from bodily injury to the insured's resident...

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  • Homeowners Form HO 00 08 - Archive

    Homeowners Form HO 00 08 - Archive Repair Cost or Actual Cash Value Summary: For many insureds the Insurance Services Office (ISO) HO 00 08 10 00 provides the best alternative to purchasing a replacement cost policy. Those insureds with ornate homes built earlier in the century, or those with...

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  • Dwelling Theft Coverage - Archive

    Dwelling Theft Coverage - Archive Endorsement to Dwelling Property Forms; Limited or Broad Coverage Summary: Theft coverage for personal property may be added by endorsement to any of the three dwelling property forms. Two theft endorsements—providing either limited or broad coverage—are...

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  • Recognizing the Vandalism Peril - Archive

    Recognizing the Vandalism Peril - Archive Absent Policy Definition, Term Is Open to Interpretation Summary : Named perils property policies, such as the homeowners HO 00 02 10 00 and, HO 00 03 10 00 that include vandalism coverage generally insure for direct physical loss to the described...

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  • Mobilehome Insurance - Archive

    Mobilehome Insurance - Archive ISO Homeowners Endorsement MH 04 01 Summary : Insurance for mobilehome owners has been written on a package basis subject to standard rules and forms since the introduction of the mobilehome policy program of Insurance Services Office in the late 1960s. Current ISO...

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