You and your family are going on vacation and you plan on renting a car.   Your 19 year old son will be going with you who, per the rental company’s contract, can not drive the vehicle unless he is 25 years or older.   However during the course of the vacation, without giving it much thought, you ask your son to go to the store to get a couple things for dinner.  On the way back the son is involved in an accident in which he is at fault.    Will your personal auto policy provide liability coverage for damage to the rental car and the other party involved? Read More »

When you own a rental dwelling, or the property you own is vacant, the risk dynamics from an insurance standpoint changes.  The logic is that you, as the owner, will always take better care of your property when you are living there than someone who is just renting it from you.  So the chance of a property OR liability loss are significantly greater when you rent your home.  Also, your contents are typically not left in the home when you are renting, so this becomes an ‘add in’ coverage, if you need it.  So the answer to this question is Read More »