Is Damage From a Skunk, Chewing, etc., Covered by a Homeowners Policy?
Question: “Is damage from a skunk, chewing, etc., covered by a Homeowners policy? My initial research tells me that a skunk is not a rodent, and as such, damage would…
Homeowners Insurance
Do Homeowners Insurance Policies Cover Host Liquor Liability?
Question: “As this is party/graduation season, do Homeowners insurance policies cover Host Liquor Liability? My example: If a guest or other third party was injured or killed in an auto…
What Does the Workers’ Comp Endorsement to the Homeowners Policy Cover?
[The following is a re-publication of a post that originally ran in 2011.] Question from an IIABNY member: “I have a personal lines customer who called saying he has a person…
Home Sharing Coverage Options for Customers
E&O Tip Homeowners’ policies vary, as do the interpretations of business use by individual insurers. Be sure that you understand how each policy you offer and each insurer will respond…
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…
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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