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HO6 Condo Coverage A

*This question was answered based on current rules, regulations, and statutes in effect as of August 2024. Question My client inherited a condo in Maine from their parents. When the parents lived there, they added a screened-in porch off the back of the unit. My client is saying the parents were allowed to add the…

Coverage for Tree Struck by Lightning & Debris Removal

*This question was answered based on current rules, regulations, and statutes in effect as of August 2024. Question Lightning struck a tree. I know a home policy covers the tree itself for $500, but is there full coverage to remove the dead tree? Answer Laura Poulin: With respect to the ISO HO forms, the limit…

Motorized Wheel Chair

*This question was answered based on current rules, regulations, and statutes in effect as of August 2024. Question Good Afternoon. I have an insured who recently got a chair to assist his wife with mobility through Medicare. He is with his Insurance on an HO3 form. He is concerned if there is any coverage under…

Oil Remediation

*This question was answered based on current rules, regulations, and statutes in effect as of August 2024. Question Do you have any articles on oil remediation and common endorsements regarding the Homeowners’ Policy? Or an online course? Answer Laura Poulin: The unendorsed ISO HO0003 policy excludes losses to an insured’s property arising from pollutants unless…

Funeral Expensed Under the Auto Policy

*This question was answered based on current rules, regulations, and statutes in effect as of August 2024. Question Unfortunately, we have an insured who passed away in a car accident. Obviously, we know that PIP will pay for funeral expenses. He also has $5,000 in Medical Payments. When you read the coverage section, it sounds…

Golf Cart for Street Use

*This question was answered based on current rules, regulations, and statutes in effect as of June 2024. Question Do you happen to know of a carrier that will write a golf cart for street use in MA? I called the carrier and they will do it if they are writing another vehicle. I am trying…

Traveling Nomad

*This question was answered based on current rules, regulations, and statutes in effect as of June 2024. Question We currently write an HO4 for an insured with MPIUA (due to claims). His legal residence is in Leominster, where he has some personal property. He also has some personal property in a storage unit in Leominster.…

Off Premises Power Loss and Resulting Power Surge

*This question was answered based on current rules, regulations, and statutes in effect as of May 2024. Question We have an insured that had a loss back in March from the last snow storm. A tree fell on a pole and caused a power surge to his house. The pole was off premise. Carrier is…

In-Law Apartment vs. Two-Family

*This question was answered based on current rules, regulations, and statutes in effect as of May 2024. Question Hope all is well – we are having a lively discussion in our office and can’t agree, so I said I will ask MAIA, “What is the difference between a one-family with an in-law apartment and a…

Earth Movement Exclusion & Blasting Operations

*This question was answered based on current rules, regulations & statutes in effect as of May 2024. Question We had an interesting call last week from a prospect. The individual lives near a quarry where blasting takes place on a regular basis. If the blasting causes any damage to his home or pool, would it…

HO-3 Coverage

*This question was answered based on current rules, regulations & statutes in effect as of April 2024. Question Here’s a story and just trying to see if there is any chance of HO-3 coverage. Policyholders’ 9 yr old is visiting his 15 yr old cousin in Brockton (postage stamp lots).  The older kid (that lives…

MA Fair Plan

*This question was answered based on current rules, regulations & statutes in effect as of April 2024. Question I hope you are well! We quoted some MPIUA homes last week, and today, two were rejected because they said we didn’t use the new RCT info from 2/24. Coverage A went up over $300K on one!…

Assisted Living Coverage

*This question was answered based on current rules, regulations & statutes in effect as of March 2024. Question I have a client. He & his wife are both Named Insured (NI). He is now in a nursing home. Policy on HO 00 05 05 11. I believe the HO 04 59 05 11 Assisted Living…

Coverage for MAIP Policy on Imported Vehicle

*This question was answered based on current rules, regulations & statutes in effect as of March 2024. Question I have a question regarding a personal auto policy. One of my clients plans to import a 1995 Nissan ATLAS from Japan for personal use, with no business involvement. The vehicle weighs 6000 pounds and has the…

Flood Coverage for Storage Unit

*This question was answered based on current rules, regulations & statutes in effect as of January 2024. Question Would Flood contents coverage extend to a storage unit? Also, been out of the Flood game for a while…can you cancel prorate or is it fully earned? Answer Laura Poulin: To answer your questions, I assume you…

Endorsement for Company Furnished Vehicles

*This question was answered based on current rules, regulations & statutes in effect as of January 2024. Question Isn’t there an endorsement we can add on a personal auto policy for a client that uses his company furnished car for personal use too? We have a client who works for a company and furnished a…

Property Non-Renewal Notice Due to Inspection

*This question was answered based on current rules, regulations & statutes in effect as of January 2024. Question Can you please help with the questions below? Some of the account managers here are struggling with all the non-renewals we’re receiving from our standard companies for mainly property but also auto. For property, we would typically…

High Value Vehicle

*This question was answered based on current rules, regulations & statutes in effect as of December 2023. Question We have an insured taking delivery of a New Used car today – a 2022 Porsche with a Purchase price of 146,000. He bought the car from a dealer in Florida, and it is being delivered to…