Personal Lines
"Special Limits" of Coverage in the Homeowners Policy: An E&O Trap
The Homeowners Policy lists specific types of personal property and places a specific limit of coverage of such property – usually low compared to the actual exposure the insured has.
Insured Status in the Homeowners Policy: Who IS an "Insured" and Who can be Added
There are four "levels" of "insured" status in the Homeowners Policy, and the breadth of protection narrows as an individual moves from one level to another.
Who or What is Eligible for a Homeowners Policy
Just who or what does qualify for one of the six Homeowners coverage forms? The main key is occupancy, the other key is what is being occupied.
Comparing the Various Homeowners Forms
How does the HO-2 Broad Form differ from the HO-3 Special Form? How does the HO-3 differ from the HO-5 Comprehensive Form? And how to all the forms differ from the HO-8 Modified Coverage Form?
Gaps in Home and Auto Coverage
Learn how to properly write Homeowners and Auto Policies for your clients to ensure that there are no gaps in coverage.
Preparing Your Clients for Vacation
Learn what things your clients should know so their vacation does not become a nightmare.
Personal Umbrella Policies
Personal Umbrella insurance policies provide protection in the event of the proverbial "rainy day."
Who is an "Insured" in Personal Lines Forms
Knowing who is and is not an "insured" will lead to a better program by allowing any unintended gaps in insured status to be exposed and corrected before loss occurs.