Just because a person lives in the house does not mean he is an insured under the Homeowners’ (HO) or Personal Auto Policy (PAP). Nor does an individual necessarily have to live in the household to be insured on either …
Who is an “Insured?” Not as basic a question as it may sound. Status as an insured must exist before ANY question of coverage can be tackled – if the correct “person” is not named as an insured or extended …
True story: The agent convinced the owner of several apartment buildings to purchase a pollution liability policy – because of the age of the buildings and the presence of asbestos and lead. A tenant’s young child ate some of the …
