• Water Exclusion Clause—Archived 2015

    Water Exclusion Clause—Archived 2015 In Property Insurance Forms Summary : A standard feature of property insurance forms is the exclusion of various categories of loss associated with water. The water exclusion clause in the commercial property program (Insurance Services Office forms CP...

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  • Personal Liability Supplement - Archive

    Personal Liability Supplement - Archive Liability Coverage Under Dwelling Program— Similar to Homeowners Summary: Under the dwelling program, personal liability coverage is available using personal liability supplement   DL 24 01 12 02 . This supplement may be combined with a personal...

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  • Sinkhole Collapse and Mine Subsidence—Archived Article

    Sinkhole Collapse and Mine Subsidence—Archived Article What Is Encompassed by These Endorsements?   Summary : Loss resulting from mine subsidence and sinkhole collapse are excluded causes of loss on most homeowners forms. Coverage can be purchased for this exposure when allowed (or...

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  • Homeowners Policy Conditions - Archive

    Homeowners Policy Conditions - Archive Provisions Applicable to Entire Policy Summary: The conditions applicable to both section I and section II of the Insurance Services Office 2011 homeowners forms are the subject of this discussion, with reference to the 2000 forms. Topics covered:...

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  • Homeowners Personal Liability Insurance - Archive

    Homeowners Personal Liability Insurance - Archive Homeowners Section II Insuring Agreements Summary: Personal liability insurance is liability protection that applies to activities and conditions at the insured premises, and to the personal (non-business) activities of the named insured and...

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  • Personal Liability Additional Coverages - Archive

    Personal Liability Additional Coverages - Archive ISO Homeowners Section II Summary: In addition to the liability and medical payments coverages, the Insurance Services Office (ISO) homeowners policy section II—liability coverages contains four additional coverages. Payments made under the...

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  • Governmental Action—Archived Article

    Governmental Action—Archived Article “Destruction, Confiscation, Seizure” of Insured Property Summary: Property coverage forms commonly contain exclusions for loss caused by governmental or public authority's destruction, confiscation, or seizure of property. However, in researching the...

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  • Duty to Defend—Archived Article

    Duty to Defend—Archived Article Broader Than the Duty to Indemnify Summary: It is a long-held axiom that an insurer's duty to defend is broader than the duty to indemnify. But what encompasses that duty? On what is the duty based: the factual allegations in the complaint, or legal theories...

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  • Status of Wall to Wall Carpet, Drapes, and Lighting Fixtures—Archived Article

    Status of Wall to Wall Carpet, Drapes, and Lighting Fixtures—Archived Article Dwelling or Contents? Summary: There are a number of items common to daily living that cause difficulty to insurers and their customers because it is not certain whether damage to such items should be covered by...

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  • Scheduling Personal Property for the Homeowners Insured—Archived

    Scheduling Personal Property for the Homeowners Insured—Archived Making Sure All Bases Are Covered Summary: Homeowners forms commonly limit amounts paid for loss to certain classes of property. For example, Insurance Services Office form HO 00 03 10 00 limits are: money ($200); securities...

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  • 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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