Category: Homeowners

Swimply Uninsured! Revisited

Yesterday, a 7-year-old girl drowned in a pool that a homeowner reportedly rented, through Swimply, to a group that allegedly included about 15 children. I blogged about Swimply a couple of years ago when they appeared to not offer any liability coverage for renters. They apparently currently include $1,000,000 of coverage…but how much is the life of a 7-year-old child worth?

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Property Undervaluation

This week I’m presenting, as part of a conference panel, a session on underinsurance of residential and commercial properties, with a focus on pre-loss valuation as it impacts underwriting and policy limits. What has been your experience in this area? Is underinsurance as widespread as it appears to be? Are there many instances of OVERinsurance? Inquiring minds want to know.

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Vacant Land

Homeowners policies generally provide very broad worldwide liability coverage. However, among the exclusions are those pertaining to occurrences that take place on certain premises. These exclusions often have exceptions that grant coverage if the premises is an “insured location.” One common type of “insured location” is often vacant non-farm land. The question is, what is (or isn’t) “vacant” land?

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An Agent Call To Action: Underinsurance

Is it time to re-visit the methodology used by agents to determine replacement costs and/or re-construction costs? How confident are you that the real property replacement values that you develop are sufficient to either replace or rebuild? If a natural catastrophe hit your community, would you have the same confidence in your replacement or rebuild figures?

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