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General Coverages

Resource TitleDescriptionRating
Animal Liability and Umbrella Policies

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


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Dwelling vs. Homeowners and Dwelling 2002 Program While it's true that the two programs do have similarities, there are differences in the two programs that can be significant at the time of loss. 1 2 3 4 5
Florida Valued Policy Law Short breakdown of Florida's Valued Policy Law 1 2 3 4 5
Homeowners 2000 Summary Insurance Services Office (ISO) has developed a new homeowners program which is approved for use in Florida effective 12/1/01, this article summarizes the more significant points of the new program

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Homeowners Form 8 Coverage Gaps what is the impact of the HO-8 on my clients 1 2 3 4 5
Insuring for the Mortgage Amount Often a mortgage lender will ask that the insurance policy provide coverage equal to the mortgage amount. However, the mortgage is made based on the value of the house and land. Since the insurance policy does not cover land, the two figures have nothing to do with each other. 1 2 3 4 5
Living Together—It Might Simplify Life But It Complicates Insurance When couples live together, it creates coverage gaps. Learn what they are and what recommendations to make to insureds.

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Ordinance and Law Coverage

Building ordinance and law coverage pays to rebuild a structure to comply with current building codes. Coverage provided by un-endorsed insurance policies to rebuild to the current code is limited or non-existent, and clients should be advised to purchase ordinance and law coverage on all buildings to provide the best coverage at the time of a loss.

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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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Power Surge & The Homeowners Policy What coverage does the typical homeowners policy provide for power surge 1 2 3 4 5
Providing Proof of Insurance Coverage to Your Lender When property is financed, the lending institution will insist upon evidence of insurance. While the insurance policy provides such evidence, rarely is it available by the time of the closing of the loan. 1 2 3 4 5
Rent Your House For The Superbowl... And More If I rent my home for the weekend, does my homeowners policy cover me 1 2 3 4 5
Replacement Cost Holdback - No More?

For personal property claims, the carrier must offer a "no holdback" option and may offer an option where ACV is paid up front and the actual costs incurred are paid once receipts are provided by the insured. 



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Riding Mowers—Are They Covered? The Power of One Word This article will look at the coverage provided (both property and liability) by the homeowners policy or a riding lawnmower and other vehicles that may be used to service a residence, such as a 4-wheeler or golf cart. 1 2 3 4 5

Accurate replacement cost estimators, regular updates, and disclaimers are the best tools that an agency has when it comes to providing adequate coverage and avoiding the appearance of being the expert on building costs.


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