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This resource discusses coverage gaps

Resource TitleDescriptionRating
Citizens Homeowner Policy Coverage Gaps In making a decision to use Citizens, both the customer and the agent need to understand the differences between a Citizens policy and a standard Insurance Service Office policy. This article summarizes some of the more significant differences, yet is not a complete "line by line" analysis of the policies in question. 1 2 3 4 5
Citizens Sample Consumer Letters and Checklists

These letters are provided in Word documents as a convenience to members.

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Contents in Transit Are my valuables covered after I sell my home and am in the process of moving? 1 2 3 4 5
Homeowners Form 8 Coverage Gaps what is the impact of the HO-8 on my clients 1 2 3 4 5
Kids Away At School Is my child covered under my insurance while away at school 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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Rent Your Home - Void Your Insurance Policy? We all know that you can rent part of your house on a permanent basis and all of your house on an occasional basis and still have MOST of your HO insurance intact. But what if you rent all of your house on a more permanent basis? 1 2 3 4 5
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
Segway Human Transporter Insurance

This article will examine the insurance implications of the Segway looking at personal lines issues, commercial lines issues, first-party issues, and third party issues.


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Trusts and the Homeowners Policy If a trust owns a home is the homeowners poliy coverage enough 1 2 3 4 5