Will HO Policy Cover Accidental Injury to Foster Children?
Question from an IIABNY member: “We have an insured who is taking in three foster children from Family Court. The mother of the children is heading to jail for a year. She is…
Homeowners Insurance
Think a NY Insurer Can’t Void a Policy for Misrepresentation? Think Again
New York has a reputation as a state that’s pretty friendly to consumers, so I think it’s notable that an appellate court last month voided a Homeowners’ insurance policy because the insured…
Split the Payments on a Package, Cancel the Coverages Separately?
Question from an IIABNY member: “My question pertains to a personal lines package policy. I recently had a client renew where the homeowner’s premium is escrowed through the mortgage company, and…
Can an Insurer Cancel the Policy Because of a Backyard Shooting Range?
Question from an IIABNY member: “Can a carrier cancel a HO policy midterm because the insured has a shooting range out back? The carrier has been on them for 10+ years. The…
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