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This resource discusses legal issues

Resource TitleDescriptionRating
Animal Liability and Umbrella Policies

Are dog bites covered under the standard Insurance Services Office homeowners' policy


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Condominiums: HO-3 Instead of the HO-6 What is a situation where I would have to convert my HO-3 to an HO-6 1 2 3 4 5
Domestics, Contractors, and the Homeowners Policy This article examines what coverage is provided by the standard Insurance Services Office (ISO) homeowners policy for such situations. 1 2 3 4 5
Excess and Surplus Lines Citizens

This PDF contains sample language for a waiver agents can use when presenting information about excess and surplus lines products to customers who are insured by Citizens.

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Homes in Foreclosure This article from the Virtual University deals with homeowners coverage for homes in foreclosure. 1 2 3 4 5
Host Liquor Liability

Tis the season to make merry and people are asking about liability coverage for their host liquor exposure. Though the ISO homeowners policy has no liquor exclusion, there is some concern about the new and 'improved' auto exclusion in the HO 2000.


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Mortgage Company Issues Requests by lenders are often made to the insurance agent and those requests lead to problems when trying to structure an insurance policy.  This article contains some frequently asked questions about this issue. 1 2 3 4 5
Mortgage Company Non-Payment of Premium Problems The agent is stuck in the middle when a mortgage company fails to pay the premium and a policy is cancelled. 1 2 3 4 5
Ordinance and Law Coverage Or Rebuild Me to the New Building Code

An important coverage available to building owners is "Building Ordinance and Law Coverage." This coverage is not normally included in property insurance policies, but can often be added by endorsement for an additional premium.

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Resident -Does Anyone Really Know What it Means? What constitutes residency? Few (if any) policies define what the term "resident" actually means. This article provides some insight. 1 2 3 4 5