• Your Belongings Form

    Your Belongings Form Includes copyrighted material of Insurance Services Office, Inc., with its permission. April 7, 2019 As generations come and go society changes. Those brought up in the sixties had different experiences than those brought up in the nineties, and the trend continues. In the...

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  • Conditions and Provisions—AAIS Homeowners

    Conditions and Provisions—AAIS Homeowners CONDITIONS APPLICABLE TO PROPERTY AND LIABILITY COVERAGES Summary : The loss settlement provisions and conditions applying to the property and liability coverages of the American Association of Insurance Services (AAIS) homeowners forms are similar...

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  • AAIS Homeowners Program

    AAIS Homeowners Program Summary : The American Association of Insurance Services (AAIS) homeowners program includes forms that provide coverage for the owner-occupant of one to four family dwellings used for private residential purposes. There are forms for the tenant homeowner and for...

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  • Broadened Home-sharing Host Activities Endorsement

    Broadened Home-sharing Host Activities Endorsement Home-sharing in another sharing technology similar to ride-sharing, but in this instance the insured shares his home with strangers. People arranging through an online application to rent their home or a room in their home for a short period of...

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  • Home-sharing Exclusion

    Home-sharing Exclusion Ride-sharing was one of the early sharing economies and rapidly became enormously popular. Businesses even have corporate accounts for Uber or Lyft. Home-sharing rapidly followed along, with people arranging through an online application to rent their home or a room in...

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  • Homeowners Liability Exclusions for Unmanned Aircraft

    Homeowners Liability Exclusions for Unmanned Aircraft Over the past few years drones have become wildly popular among individuals and businesses alike. They present new liability issues for all concerned, and many are concerned about such issues. Traditionally the homeowners policy has had an...

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  • Duties after a Loss—Home Inventory

    Duties after a Loss—Home Inventory Summary : When a loss occurs that involves contents, the carrier needs to know what contents have been damaged with an estimated value. An inventory of damaged items is generally required. As the contents of any household are accumulations of items over...

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  • Roof Surfacing Cosmetic Damage Exclusion—Windstorm or Hail

    Roof Surfacing Cosmetic Damage Exclusion—Windstorm or Hail Summary : ISO recently created two endorsements: Cosmetic Damage Exclusion – Windstorm Or Hail, HO 06 43 04 16 ; and Roof Surfacing Cosmetic Damage Exclusion – Windstorm Or Hail, HO 06 44 04 16 . Being cosmetic, the surfaces are...

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  • Limited Loss Settlement for Windstorm or Hail Losses to Roof Surfacing

    Limited Loss Settlement for Windstorm or Hail Losses to Roof Surfacing Summary : Another new ISO endorsement provides limited coverage for hail or windstorm damage to roof surfaces. The new form, Limited Loss Settlement For Windstorm Or Hail Losses To Roof Surfacing, HO 06 46 04 16 , was...

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  • Dwelling Lead Coverage and Exclusions

    Dwelling Lead Coverage and Exclusions Summary : The water crisis in Flint, Michigan, brought the subject of lead poisoning to the forefront of the news. It began in April 2014 when Flint changed its water supply but did not apply corrosion control treatment to the water, which allowed the water...

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