Personal Lines Articles
Latest Articles
Catastrophe Risk Management
The Role of Second Responders and Incident Command Systems in Disaster Recovery
2026-06-05 | John Putnam
John Putnam looks at the increasing importance of second responders in extreme weather events and the need to develop an incident command system before disaster strikes.
Personal Risk Management
10 Steps to a Well-Designed HO 6 Policy
2026-06-05 | Jack Hungelmann, Robin K Olson
In an update to Jack Hungelmann's 2012 article, Robin Olson reviews the problems and solutions of HO 6 insurance policies.
Personal Risk Management
Managing the Townhouse/Condominium Unit Owner Risk
2026-06-05 | Jack Hungelmann, Robin K Olson
Jack Hungelmann and Robin Olson relay the problems that condo owners face when trying to obtain seamless property and liability insurance.
Claims Practices
Portable Storage Extension Held to Limit Coverage for Fire Loss
2026-04-24 | Barry Zalma
Barry Zalma relates a New York case holding that the loss to the plaintiffs' inventory was not covered under the businessowners policy.
Personal Risk Management
Protecting Families from Evolving Cyber Risks
2026-04-10 | Timothy P OBrien
Timothy O'Brien examines the problems and approaches that individuals and their insurance advisers should consider to protect themselves.
Catastrophe Risk Management
Rethinking the Insurability of Natural Catastrophes
2026-02-27 | John Putnam
John Putnam revisits traditional insurability criteria, outlines current stressors, and proposes innovative approaches to address the many challenges posed by evolving climatic risks.
Claims Practices
California Court Rules "Sudden" Is the Opposite of "Gradual"
2026-01-30 | Barry Zalma
Barry Zalma relates a case where the court refused to allow extrinsic evidence to interpret the word "sudden" in qualified pollution exclusions as including gradual but unexpected pollution.
Catastrophe Risk Management
Dealing with Winter Storm Damage
2026-01-26 | Robin K Olson
In light of the devastating winter storms that hit the US in late January 2026, IRMI is providing advice on what damage is covered and tips on filing insurance claims.
Catastrophe Risk Management
Risk Scoring and Mapping Are Reshaping Property Insurance
2025-11-21 | John Putnam
John Putnam takes a deeper look at past personal property insurance underwriting practices and evolving rating tools from an insurance agent's perspective.
Claims Practices
Intentional Injury Not Dischargeable in Bankruptcy
2025-10-28 | Barry Zalma
Bankruptcy is not available to protect a person from their intentional and willful acts. Barry Zalma relates a recent case on the issue.
Catastrophe Risk Management
The Role of Second Responders and Incident Command Systems in Disaster Recovery
2026-06-05 | John Putnam
Personal Risk Management
10 Steps to a Well-Designed HO 6 Policy
2026-06-05 | Jack Hungelmann, Robin K Olson
Personal Risk Management
Managing the Townhouse/Condominium Unit Owner Risk
2026-06-05 | Jack Hungelmann, Robin K Olson
Claims Practices
Portable Storage Extension Held to Limit Coverage for Fire Loss
2026-04-24 | Barry Zalma
Personal Risk Management
Protecting Families from Evolving Cyber Risks
2026-04-10 | Timothy P OBrien
Catastrophe Risk Management
Rethinking the Insurability of Natural Catastrophes
2026-02-27 | John Putnam
Claims Practices
California Court Rules "Sudden" Is the Opposite of "Gradual"
2026-01-30 | Barry Zalma
Catastrophe Risk Management
Risk Scoring and Mapping Are Reshaping Property Insurance
2025-11-21 | John Putnam
