policy-exclusions – apklas.com

Kramer v. Fergus Farm Mutual Insurance Co.: A Legal Precedent for “Own Goal” Coverage

In the landmark case of Kramer v. Fergus Farm Mutual Insurance Co., the legal landscape surrounding insurance coverage for intentional acts was forever altered. This pivotal ruling established a precedent that would shape the way courts interpret and apply policy language in similar cases for years to come. The crux of the dispute stemmed from … Read more

Does Insurance Cover Breast Lift Surgery? An In-Depth Guide

When it comes to enhancing one’s physical appearance, cosmetic procedures often top the list. Among these, breast lifts stand out as a sought-after option for women seeking to restore their breasts to a more youthful and uplifted position. However, the question of insurance coverage for breast lifts is often a pressing concern. While traditional breast … Read more

Home Insurance Coverage for Mold: What You Need to Know

Mold, a prevalent household menace, can wreak havoc on both your health and your home’s integrity. But when it comes to protecting yourself financially against this insidious invader, does your home insurance policy have you covered? While every policy is different, understanding the complexities of mold coverage can save you from costly surprises down the … Read more

Does Home Insurance Cover Plumbing Problems?

Home insurance policies are intended to provide coverage for unexpected events that can damage or destroy your property. One common misconception is that home insurance covers all plumbing issues. However, this is not always the case. While some policies do provide coverage for plumbing problems, it is important to understand the limitations of your policy. … Read more