Personal Lines
Sub-Sections:
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Part 1 Homeowners 6 - Unit-Owners Form Contract Analysis Agreement and Definitions
April 15, 2024 | Contract Analysis
The first in a series explaining the coverages provided in the standard ISO HO 00 06 Unit-owners Form.
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Broadened Home-Sharing Host Activities Coverage Analysis
April 08, 2024 | Contract Analysis
In this article the ISO Broadened Home-Sharing Host Activities Coverage endorsement HO 06 63 that applies to the homeowners and condominium policy is explained.
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Extended Nonowned Coverage - Vehicles Furnished or Available for Regular Use PP 03 06 09 18 Analysis
March 04, 2024 | Contract Analysis|Discussion|Endorsements|ISO Programs
Endorsement to the Personal Auto Policy providing coverage for nonowned auto exposures.
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Named Non-Owner Coverage PP 03 22 09 18 Analysis
February 26, 2024 | Contract Analysis|Endorsements|ISO Programs
Personal Auto Policy endorsement for those who own no automobiles.
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Pet Injury Coverage PP 33 31 09 18 Analysis
February 19, 2024 | Contract Analysis|Discussion|Endorsements|ISO Programs
Endorsement to the Personal Auto Policy.
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Miscellaneous Type Vehicle Amendment PP 03 23 09 18 Analysis
February 12, 2024 | Contract Analysis|Discussion|Endorsements|Form|ISO Programs
For Insuring Motorcycles, Motor Homes, ATVs, Golf Carts, and Similar Vehicles
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Snowmobile Endorsement PP 03 20 09 18 Analysis
February 05, 2024 | Contract Analysis|Discussion|Endorsements|ISO Programs
Endorsement to the Personal Auto Policy.
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When the Roof needs Repair - What about the Decking
December 04, 2023 | Contract Analysis|Core Article Library
When a roof is damaged by wind, hail or some other covered loss, it's not unusual for worn decking to be discovered when the roof is removed for repairs. That worn decking also needs to be repaired. The question then becomes does the wear and tear exclusion apply, or should the repair to the decking be considered part of the roof claim? This article reviews the issue and how it should be handled.
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Incidental Low Power Recreational Motor Vehicle Endorsements
October 23, 2023 | Contract Analysis|Discussion|Endorsements
The homeowners policy excludes most motor vehicles with a few minor exceptions. There are endorsements for certain small, motorized vehicles that allow insurers to either provide coverage for or exclude coverage for vehicles such as motorized bicycles and mopeds.
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Improvements, Additions and Alterations
October 16, 2023 | Contract Analysis
This article provides an overview of additions and alterations coverage for certain dwelling owners, tenants and condominium owners.